Roofer insurance protects roofing contractors from the many risks they face on the job. General liability insurance plays a key role by covering property damage or bodily injury that may occur during roofing projects. Whether it’s damage to a client’s property or an accident at the job site, general liability insurance keeps roofers financially protected in case of unforeseen incidents.
Worker’s compensation insurance is another critical coverage for roofers. Roofing is a high-risk profession, and workers can easily sustain injuries on the job. Worker’s compensation insurance covers medical bills, lost wages, and rehabilitation for injured workers. In many states, including Florida, worker’s compensation is legally required if a roofing company has employees, offering essential protection for both the business and its workforce.
Roofing contractors should also invest in contractor’s equipment insurance. This coverage protects tools and equipment used on roofing jobs, including ladders, scaffolding, and power tools. With risks like theft, vandalism, or damage from weather conditions, contractor’s equipment insurance minimizes the financial impact when something goes wrong. It helps roofers continue their work without major delays or additional costs from damaged or stolen equipment.
Subcontractors are a reality for many Florida roofing companies. Whether it is during peak hurricane season, large commercial projects, or labor shortages, subcontractors allow roofing businesses to scale quickly and take on more work. However, subcontractors also represent one of…
Every roofing company in Florida eventually experiences a claim. The question is not whether a claim will happen, but how severe it will be, how often it will occur, and whether the company is prepared when it does. Insurance claims…
For Florida roofing companies, hurricane season is both an opportunity and a major risk. Storms create massive demand for roofing services, but they also expose contractors to some of the most severe losses they will ever face. Projects are left…
Insurance is a critical part of running a roofing company in Florida, but insurance alone does not prevent losses. Claims happen when risks are not managed effectively, and in the roofing industry, even a single incident can result in serious…
For many Florida roofing companies, surety bonds are one of the least understood parts of doing business. Some contractors see bonds as just another administrative requirement to get licensed. Others only encounter them when bidding on a larger commercial or…
For many Florida roofing companies, carrying a one million dollar general liability policy feels like a major milestone. It satisfies licensing requirements, meets basic contract demands, and checks the box most clients expect to see. Unfortunately, in today’s legal and…
For Florida roofing companies, few situations are more stressful than when a project is damaged while still under construction. Materials are delivered, the existing roof is partially removed, and then a storm rolls in, theft occurs overnight, or a fire…
For Florida roofing companies, tools and equipment are not just expenses. They are the backbone of daily operations. Without compressors, nail guns, ladders, generators, and materials, crews cannot work and revenue stops immediately. Yet many roofing contractors discover too late…
For many Florida roofing companies, trucks and vans are just as critical to daily operations as ladders and nail guns. Without them, crews cannot reach job sites, materials cannot be delivered, and work comes to a halt. Yet commercial auto…
If you own a roofing company in Florida, workers’ compensation insurance is not optional, negotiable, or something you can afford to misunderstand. Roofing is consistently ranked as one of the most dangerous jobs in the construction industry. Falls, heat exposure,…
