Roofing Insurance for Contractors in Georgia
Georgia Roofer Insurance Coverage
One of the most important things for roofers to understand is that accidents can strike when you least expect it. One minute you're working on a job that you've done countless times – the next you slip and fall from a ladder, injuring yourself in the process. That hypothetical scenario – or a lawsuit from a homeowner – could spell the end of the business you've worked so hard to build.
Georgia roofing insurance coverage protects your business from financial losses, all while fulfilling insurance requirements at the same time.
What Coverage Should a Roofing Contractor Have?
All told, there are a few main types of insurance coverage that any roofing contractor in the state of Georgia should have. While
there are no insurance requirements needed to get your license in Georgia, the below types of coverage are always recommended.
This helps to protect your business' physical assets from issues like a fire, theft, vandalism, and more. This includes all the specialized equipment you need to keep your business running.
This will help pay for medical expenses, lost wages, and other employer liability related to a situation where one of your workers may have been injured while on-the-job.
This is a type of insurance coverage that protects against not only the wide range of different accidents that can occur while on-the-job (like falling off a ladder), but some of the basic risks as well. It can help pay for medical payments, property damage, legal fees, and judgments, among other things.
This type of coverage helps defend your business against actual or alleged professional negligence, legal defense costs, legal judgments, and more.
Product Liability Insurance provides roofing companies, coverage if a product they sell or install is defective and causes harm or property damage. It safeguards against potential legal expenses and liabilities arising from such incidents, offering financial protection for unforeseen issues related to their products.
Commercial umbrella insurance provides additional liability coverage beyond the limits of other liability policies a business may have, such as general liability or auto liability insurance.
This helps to pay for medical expenses, collision repairs, and other issues that you may experience while traveling for work in a company-owned vehicle. It can also help pay for rental reimbursement as well.
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How Much Does Roofing Insurance Cost?
The total amount that you'll pay for roofers insurance will depend on a variety of different factors. Naturally, larger businesses will pay more than smaller ones because their risk profile is greater. The more employees you have, the better the chances that something could go wrong. Likewise, the more optional coverage you add into your policy, the higher your monthly premiums will go.
All this is to say that you need to make sure you're partnering with a roofers' insurance company that will take the time to understand your business and its unique needs. Only then will they be able to put together a policy that meets your expectations and that stays within your budget.
Our Carriers
All the top-rated carriers in Georgia including Selective, Hanover, Travelers, Hartford, Nationwide, Chubb, Liberty Mutual, and more.
Where We Work
BIS Benefits works with companies all around the state of Georgia, below are some of the cities our clients are located in:
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