Why Roofing Contractors Should Maintain Liability Insurance

Liability insurance is one of the most common types of insurance purchased by roofing contractors. This type of insurance is necessary for contractors no matter what field they work in. In most situations you will have to show proof of the insurance in order to proceed with the job. These requirements are usually passed down from the property owner or other entities such as insurance companies or other interested parties. Insurance is necessary in order to protect the property of the person for which you are working. Here are some other reasons why roofing contractors should maintain liability insurance.

Maintaining insurance will enable a contractor to accept more jobs. Having an active contractors liability policy is something that most property owners will require from a roofing contractor. A property owner is going to take the necessary measures to make sure they are protected from liability in case someone is injured on the job. This insurance will also cover any damage to the property that could happen in case of an accident.



It is not uncommon for a roofing contractor to carry at least one million dollars in general liability insurance. This is the recommended amount to maintain. If you carry less you may find that you are less likely to be hired for jobs. Most of the contractors are going to have at least that amount of insurance, if not more.

Some contractors will accept work through the commercial venue. The roofing job may end up consisting of several buildings or one huge building such as offices, malls or retail shops. Jobs like this may require that you take out an additional amount of roofers insurance. This is not uncommon. Be prepared to purchase as much liability insurance as the property owner requires. This will give you a much better chance of landing a larger contract.

A roofing contractor cannot afford to be without liability coverage. Maintaining an active policy is the best way to reduce the risks faced by contractors. Being insured will help decrease your chances of having a costly lawsuit that can put your business investment in jeopardy.

Research the various types of contractors insurance before purchasing. There should be policies that can be customized to meet your specific needs as a contractor. The professional insurance agent with Castle Rock Agency, Inc. can provide you with details and information on the type of liability insurance you need. They can take your information and customize an insurance package that works for you and your business.

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