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.
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,…
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…
