Roofing insurance is crucial for protecting contractors from the unique risks they face while working on roofs. General liability insurance is a primary component of this coverage, protecting contractors against property damage or bodily injury that might occur during roofing projects. Whether it’s an accident on the job site or damage to a client’s property, general liability insurance safeguards the roofing business from expensive claims and lawsuits.
Worker’s compensation insurance is another important coverage for roofing contractors. Roofing is a hazardous profession, and workers are at risk of injuries such as falls, cuts, or strains. Worker’s compensation insurance provides medical coverage, wage replacement, and rehabilitation for injured employees. In many states, including Florida, roofing businesses must carry worker’s compensation if they have employees, making it an essential requirement for compliance and worker protection.
Contractors should also secure contractor’s equipment insurance. This policy covers the tools and equipment used on roofing projects, such as ladders, scaffolding, and power tools. In Florida, where severe weather events are common, roofing contractors are particularly vulnerable to equipment damage or theft. Contractor’s equipment insurance ensures that a roofing business can replace damaged tools quickly, minimizing downtime and keeping operations running smoothly.
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,…
