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.
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…
