Many times roofers have few options when it comes to obtaining the proper insurance for their roofing business. Here at The Andrew Agency, we have a program specifically designed for roofers in Virginia or Maryland. Insurance for roofers has historically been rather cumbersome and complicated due to the high risk nature of the business. However, we have a streamlined process for obtaining the proper insurance coverage for roofers that can take the headache out of the insurance process and allow you to focus on running your business.
What type of insurance do roofers need?
First and foremost, it is important to obtain a general liability policy. A lot of times this is required for any roofer to perform a job. The cost of a general liability roofing policy varies depending on the size and scope of your operation. There are often differences in cost for commercial vs. residential roofers.
What does a general liability policy cover?
The general liability policy is designed to protect you and your companies’ assets in the event of a suit or claim against you and your business. The coverage under a general liability policy is broad, and often includes bodily injury, property damages, and compensatory and general damages.
What else do I need to consider?
If you have vehicles that you use for the business, you will want to consider a business auto policy. If you have employees, a workers compensation policy is needed and often required. Also, due to the high risk nature of roofing, premiums may be more expensive than that of a general contractor. To help reduce premiums it is important to implement a safety program and carry proper safety equipment. The better your safety record, the lower your premiums can be.
Contact The Andrew Agency
Roofing contractors in Virginia or Maryland can contact The Andrew Agency regarding specific roofing insurance needs. We are happy to answer any questions you have and look forward to assisting you. We can be reached at (804) 320-2886.