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.
If you own or operate a roofing company in Florida, general liability insurance is not just another box to check for licensing or contracts. It is the foundation of your entire risk management program. Roofing is one of the highest-risk…
