Roofing Insurance: Insure Your Business
Residential & Commercial Roofers
General Liability Insurance & Workers Compensation Insurance
As a roofing contractor, you have a tough job. You have many things to juggle – marketing, equipment, costs, and employees. You don’t have time to also micromanage your roofing insurance.
With Balsiger Insurance, you don’t have to. We focus on your roofing contractors insurance so that you can focus on the important stuff without worrying about taking a significant hit to your finances. Get a quote today to determine how much roofing contractors insurance will cost you. We will customize a plan that works for you and covers all your critical assets.
Our insurance agency has the expertise to ensure your business is protected and can recover from any loss. We are an independent agency with multiple locations in the United States that can match your business with the best possible roofing insurance for your needs and budget.
Roofing Insurance Coverage:
Roofing insurance, you know you need it. But what all does it cover?
Here is a little information about some of the roofing insurance coverage we offer:
Commercial General Liability Insurance
Commercial General Liability insurance is a foundational general liability coverage for roofing contractors. It protects you from claims arising from property damage and bodily injury damage. This is the base level of general liability coverage that any roofing contractor needs and includes commercial property insurance.
Bonds
Are you bidding on your next big job and need a bond? No problem! We can help make that a reality. Some positions may require your company to have a surety bond. A surety bond is an instrument that guarantees your company will act within the terms of the contract. We’ve got you covered so that you can win that bid and grow your business.
Inland Marine
Inland Marine coverage is a must-have for your roofing business. An Inland Marine policy protects your equipment while at job sites and in transit to and from the site.
This is also known as an Equipment Floater policy. You make significant investments in your equipment, and it is too expensive to let it be uninsured. When you leave the job site at the end of the day, who is watching your equipment?
Heavy equipment insurance and Inland Marine insurance can keep you safe. We can help ensure all critical equipment is protected, even when you’re not there.
Pollution Liability Insurance
Pollution risk is not just a concern for large chemical manufacturers and processing plants. Small businesses – including roofers – are also at risk of pollution liability claims. This means you need to know the local laws regarding pollution liability and protect yourself against any claims. That’s where we come in.
Any business that uses chemicals that could be unsafe for the environment should be protected with pollution liability insurance. This coverage protects your company if you are found at fault for an accident that results in contamination of soil, property, or water.
Umbrella / Excess Liability Insurance
An Umbrella or Excess Liability insurance policy gives your company an added layer of protection. This coverage is usually activated when the underlying General Liability Insurance limits are reached. This coverage can extend over General Liability Insurance, Auto Liability, and even Pollution Liability insurance.
Workers Compensation Insurance
Workers compensation claims can damage businesses if they aren’t careful with their insurance coverage. Plus, you want to ensure you have the insurance to help employees when they need it.
This coverage pays for your employees’ medical expenses and lost wages if they are injured while on the job. Employees will be grateful you have it, and you don’t have to worry about workers compensation claims damaging your finances.
Depending on the size of your business and your state, you may be required to carry Workers Compensation insurance coverage for contractors.
We have roofer workers compensation insurance programs in all states for roofing contractors that could save you over 50% on your workers compensation cost! Reach out to us today to see if you qualify for one of these options.
Have prior claims? No worries. We can help you find Workers Compensation coverage for your company even if you have prior claims or losses.
Commercial Auto Insurance
Commercial auto insurance is exactly what it sounds like. It is simply auto insurance for your business vehicles.
You insure your vehicle with personal auto insurance, so it is a no-brainer that you would also insure your commercial vehicles. We can help. This policy includes liability insurance coverage and physical damage coverage for the cars.
There is a lot of pain in the commercial auto insurance market. We have been proactive with our carrier relationships which has helped our roofing contractors see increases well below the norm for our area!
Why work with Balsiger Insurance for Roofers Insurance?
Many insurance companies are attempting to sell you their insurance, so allow us to tell you why we are different and why you should go with us.
We will put more time into your insurance and specialize your plan to fit your budget and needs. Our company offers a risk advisor to get to know you and your roofing business and make sure you have the business insurance you need.
This isn’t one-size-fits-all insurance. It will be tailored to fit you. So you’re getting all the coverage you need and not paying for anything that you don’t need.
Plus, when you call us for help, you aren't going to get transferred around to various customer service employees. You will have a single point of contact for all your roofers insurance questions, so you will always know who to call when you run into trouble.
We are one of the top companies for general contractor insurance and work with many roofing businesses. We have the experience, knowledge, and ability to protect every aspect of your roofing company.
We are here to provide loss control services. Including tailgate safety materials, help with a return to work policy, safety manuals, vehicle checklists, and many more aspects that can help you control costs.
Most importantly, when it comes time to use your roofer's insurance we are there for you every step of the way. Our team stays involved in the claim process to ensure it is as smooth and painless as possible.
As your roofing company changes and grows, we have the ability and expertise to adapt your coverage to change and grow with you. Our plans are scalable and customizable to your business, so you can add on features as you grow and expand.
We know you have many choices and that our competitors have access to many of the same contractor's insurance companies. However, we believe that we can do it better. Our team is experienced and specializes in roofers insurance to help protect you.
We also know that it is vital that we make your roofer's insurance our business so that you can spend more time doing your business. With our business insurance, you can rest easy knowing that your employees, equipment, and business are protected.
Not All Roofing Contractor Insurance is the Same
Are you tired of having your professional liability coverage costs through the roof? We get it. And we can help you protect yourself and keep your business owners insurance at an affordable rate.
We have markets that target both residential and commercial roofing insurance throughout our operating territory of Nevada, Arizona, Georgia, California, Oregon, Montana, Washington, Florida, Idaho, New Mexico, Utah, Colorado, North Dakota, Minnesota, Illinois, Tennessee, Indiana, New Jersey, Ohio, Pennsylvania, Missouri, and North Carolina.
We can be your one-stop-shop for all of your needs, including liability insurance, bonds, inland marine for your equipment, pollution liability insurance, general liability insurance, umbrella/excess, workers compensation, builder’s risk, and commercial auto.
But don’t just take our word for it. Read our testimonials to see why countless businesses and individuals trust us to keep them safe.
Our Target Classes for Roofers Insurance Include:
- Hot Composition/Hot Tar
- New Roofs
- Slate/Tile
- Reroofs/Remodeling
- Pitched & Flat Roofs
- Metal/Aluminum
We will help make sure you have all of the endorsements you need for your certificates upfront. And no more begging for certificates of insurance!
When you work with us, we will also provide you with Risk Management Services to help keep your roofer's insurance premiums down. Your roofing contractor's insurance cost can be a significant expense, so we will work to keep it as affordable as possible.
If you have had prior losses, whether for property damage, personal injury, or something else, don't worry. You may still be able to work with us. Give us a call, and we can talk about your options.
Contact Balsiger Insurance for a Free Quote
Curious about the cost? Reach out to Balsiger Insurance today for a free quote to see what we can do to keep your business safe.
We wish we could give you an exact quote right off the bat, but roofers insurance costs can vary quite a bit. Plus, you’ll be paying only for what you need with our specialized plan.
Work with our experienced team to find out what your new business insurance cost could be. And learn why it is worth every penny.
Common Risks Covered by Roofing Insurance
Roofers insurance is about avoiding major risks that can drag your business under if you’re not adequately protected. We’re experts at this and know exactly what needs to be covered so that you don’t have to worry about it.
You would be surprised by the extent to which roofers insurance policies can protect you. Some people tend to bundle their roofing insurance coverages, and they all fall under the general liability insurance policy. We don’t recommend this route if you want your business to be fully protected.
While there are specific common points between both of these policy types, it is prudent to invest in a policy specific to roofing contractors and their activities because of some of the additional benefits they offer.
Paying a relatively small fee for insurance can save you tons of money down the road if you run into an issue. And if you’re in business long enough, you almost certainly will. Don’t wait until it is too late to insure your roofing business. Protect yourself now and rest easy knowing your business is secure.
What types of issues does roofing insurance protect you from? Falling naturally tops the list of causes of injuries and fatalities suffered by roofers. This is followed by electrocution and burns. Among the non-physical damages are:
a. Personal or bodily injuries: these are any injuries caused due to you or your employees at the time of performing the activities. This could also include the people who have employed you, the people working on a property, neighbors, etc.
b. Third-party protection: This protects you from damages caused by people who sue you for the advice you provide when it comes to repairing and maintaining a roof, should the advice not be practical or rendered useless by unforeseen circumstances. A simple example would be recommending a particular brand of metal to make the rims hold up the roof, and the rims come apart unexpectedly because that batch of rims was not manufactured properly. This may not have been the fault of the roofer, but since their advice did not work as expected, their customers may sue them.
c. Securing your income: Loss of income due to unavailability of work or because business was disrupted due to an unexpected reason. An example situation would be the recent Covid-19 pandemic spreading to hundreds of countries in the world, forcing many state governments to impose mandatory lockdowns. Many were out of work for months. There have also been lasting repercussions of inflation and supply chain issues. Plus, people may be spending less on improving their homes, which would undoubtedly affect the industry.
d. Equipment protection: In construction, your equipment is your entire business. This coverage protects loss and damages to equipment that is used in the roofing industry. This also includes vehicles that you use to travel to perform your business activities, transport materials, people, etc.
e. Work performance bond: Some customers prefer to hire a roofer that can guarantee the work will be done in a certain amount of time. As we all know, things do not always happen exactly as the client or the roofing contractor plans. This would necessitate including a work performance bond as one of your roofing insurance clauses.
f. Quality Assurance: Most roofer's insurance policies have a clause that guarantees the quality of the company to the customers. It may also cover things like property damage. Should the quality of the roofer's work not be up-to-the-mark, you are liable to be sued, and this is also covered in the policy.
As you can see, roofing insurance and general liability insurance can protect nearly every aspect of your business and ensure that you are not left vulnerable when things inevitably go wrong. From falling to electrocution to not finishing a job on time, you need to be protected.
If you insure your business properly, you will have less risk of bankruptcy or suffering from expensive claims.
Ready to properly insure your roofing business?
Talk with one of our roofing industry experts and get a free insurance quote:
Your business can’t afford to go without insurance. But that doesn’t mean you have to break the bank to keep yourself safe. We provide affordable, comprehensive insurance for roofing companies across the United States.
No matter where you’re located, we can serve you and protect your company from claims and damages that naturally occur in this line of work.
Our policies are custom-built for you and guaranteed to keep your business safe. If you’re interested in insuring your roofing company, you’ve come to the right place. You can trust us with your business, and our job is to keep you safe from loss.
For more information about how we can keep you and your business safe, talk with one of our roofing industry experts and get a free insurance quote. Once you set up a policy with us, you will be given a point of contact to reach out to when issues arise or if you have any questions about your policy.
Contact any of Balsiger Insurance's roofing insurance industry experts by calling the office at 1-866-872-0156. Just ask for the agent you'd like to work with, and they can work on an insurance quote for you! We’re sure you’ll love our prices and our policy.