Roofing Contractors Insurance
Roofing Contractor Insurance
Roofing can be a competitive and rewarding field, and years of hard work can help contractors establish a strong customer base and reputation. Roofing contractors invest their expertise, time and energy to build or repair roofs that will stand the test of time. However, owning a roofing contractor business can be physically and mentally demanding, and it’s a constant challenge to deliver exceptional service while maintaining profitability. A comprehensive Roofing Contractor Insurance program can protect your business
These challenges are magnified when you consider that risks related to property damage, equipment breakdowns, environmental factors, inland marine and crime must also be addressed. The list below provides an overview of these risks and more—helping you identify potential blind spots in your risk management and contractor insurance programs.
Our Comprehensive Roofing Contractors Insurance Includes:
- Workers Compensation Insurance
- Business Liability Insurance
- Commercial Auto Insurance or Fleet Insurance
- Construction Equipment Insurance
- and many other types
We can never forget that one small error can prove deadly for both the worker and customers. Make sure you are protected!
Roofing contractor insurance offers financial protection for your contractor business by paying for legal expenses, lawsuits, and property theft — helping you avoid some of the huge costs that devastate lawn care businesses.
Property Insurance for Roofing Contractors
While most incidents that occur on a customer’s property would be covered under a general liability policy, property exposures are still present at the contractor’s office and workshop. Exposures can come from malfunctioning electrical equipment, flammable materials, weather and natural disasters. Fire damage may be a particular concern if the contractor stores roofing materials or heats bitumen on the premises.
Bodily Injury Risks
No matter how careful your employees are, accidents can and do happen. These accidents create a significant bodily injury exposure. Slips, trips and falls are common hazards in roofing operations. What’s more, because roofers work at heights with tools, people below are at risk of injury from falling objects. In the event of a bodily injury to an employee, client or third party, a roofing contractor could be forced to pay for medical costs, emergency care, doctor’s visits and legal expenses.
Roofing Contractors Insurance For Autos
The vast majority of roofing contractors depend on employees to operate vehicles for the company, creating automobile exposures in the process. While important for daily operations (e.g., driving from job site to job site or transporting tools), the use of a vehicle can lead to potential accidents and major insurance claims. What’s more, if you allow employees to use their own vehicles for work, standard commercial auto policies are often not enough.
Insure Your Work
Once a job has been completed, roofing contractors can be held liable if their work product causes bodily injury or property damage. While claims of smaller problems can often be resolved with a repair, larger issues may result in legal action. Completed operations coverage can help protect a contractor in the event of such a claim.
What You Need To Know About Roofing Contractor Equipment Insurance
Roofing contractors depend on a variety of different equipment to complete work on a roof, potentially creating significant equipment breakdown exposures as a result. Moreover, roofing contractors can experience business interruptions or even lose contracts as a result of an equipment breakdown.
Roofing contractors regularly transport equipment, tools and supplies to and from worksites. As such, any property that’s unique or valuable in transit, in your temporary care, stored at fixed (but movable) locations or used to transfer information represents inland marine exposures. Materials and tools can be damaged in transit from shifting loads or traffic collisions; at the worksite from collision, being dropped or poor weather conditions; or lost from theft, potentially creating costly losses.
The disposal of old roofing materials, waste bitumen and other hazardous materials presents potential environmental liabilities, as these materials can create pollution. Environmental incidents are particularly concerning because they can cause harm to the surrounding community, involve costly cleanup and often cause damage to a business’s reputation.
Business Continuity Insurance for Roofing Contractors
Continuity is critical for any business, and there are few things more important than continuous revenue and a steady cash flow. A single business interruption can be costly for roofing contractors and may even lead to serious reputation damage or long-term closures. Common interruptions for roofing contractors stem from natural disasters, fires, equipment breakdown and loss of materials.
What About Crime?
Roofing contractors face several crime exposures, particularly if valuable equipment or tools are left unattended at the worksite, which may attract thieves or vandals. Thieves (including your employees) can rob an office or worksite at any time, targeting cash or valuable supplies. What’s more, with worksite locations changing on a regular basis, the level of risk a roofing contractor faces is in constant flux.
Keeping Employees Safe
Any time one of your employees is injured on the job, your organization could be subjected to expensive workers’ compensation insurance claims. Common sources of on-the-job accidents for roofing contractors include falls from heights (e.g., roofs and scaffolds), heat stress, injuries related to equipment use, slips, trips, falls and musculoskeletal injuries caused by repetitive tasks. Normal, everyday tasks related to laying shingles or climbing ladders can lead to accidents and, in turn, increased costs for your business.
More Than Just Contractor Insurance
Are your employees trained on general safety best practices?
GDI Insurance Agency, Inc. can offer you a construction-specific employee safety manual. This manual includes sections on common hazards, such as silica exposure, heavy equipment operation and hazard communication.
How do your employees stay aware of construction procedures?
We can give you access to our library of customizable workplace policies to keep your employees mindful of important construction safety practices. These policies cover topics such as permit-required confined spaces, respiratory protection and lockout/tagout procedures.
Does your business comply with federal and California employment laws?
Construction companies that fail to comply with federal and state employment laws can face serious fines and penalties. Using our California specific guides, you can implement workplace policies to remain informed of your responsibilities and stay in compliance with regulations.
GDI Insurance Agency, Inc. We’re on Your Side
GDI Insurance Agency, Inc. spear heads the effort to turn the tide of outrageous unfounded get rich quick ambulance chasing attorneys bringing unfounded construction defect litigation. GDI steps in the ring with our clients to help fight unfounded construction defect claims. Most consumers don’t understand the impact to their home of even filing such a claim. We make sure they get the message all to help our clients!
We even created a program to even help our clients get their projects funded”
Hopefully by now you are wondering why you have your California contractors insurance anywhere else but GDI Insurance Agency! Just give us a call at 1-888-991-2929 and we will get you the lowest rate for contractors general liability insurance available, but also give you all these added services and more.
Protecting All Types of Contractor and Construction Companies!
GDI Insurance Agency, Inc. provides California Contractors Insurance solutions specifically-tailored for construction businesses exactly like yours!
We have many specialty construction insurance programs to choose from:
Our Contractors Insurance Tools Will Put You in the Driver’s Seat!
Our agency can help you build solid loss control and safety programs to help you stay on top of your biggest risk management and compliance challenges, such as:
Workplace Safety Programs
Our transportation industry safety manual and employee safety resources can provide your place of business with useful injury prevention information.
Compliance and Recordkeeping
You are responsible for complying with regulations from OSHA, DOT and more. Let us show you how to do so correctly.
Building a Safety Culture
Our employee safety materials help you promote a safety-minded workplace. We have flyers, posters, payroll stuffers.
We have reference materials, forms and checklists that will help you remain in compliance with DOT/FMCSA regulations.
OSHA Compliance Program for Contractors
Does your broker provide you with timely updates on new and revised OSHA regulations?
OSHA constantly updates its standards and requirements, and even a single update can drastically impact the construction industry and your regular operations. We can provide you with attorney-reviewed documents that outline your obligations, making it easy for you to focus on your construction projects instead of complicated OSHA rules.
Are you prepared for an Unannounced OSHA inspection?
If an OSHA inspection finds violations at one of your construction sites, you could face fines and watch your reputation plummet. We can offer you construction-specific compliance resources and inspection guides to help you address potential issues before they occur.
Does your Construction business comply with OSHA’s hazard communication standards?
Construction employees often have to work with or around hazardous substances, and even one incident can lead to serious injuries and costly fines. Our clients have access to construction-specific toolbox talks and articles, as well as workplace posters and hazard communication programs that can ensure your business is compliant with OSHA standards.
GDI Insurance Agency, Inc. California Workers Compensation Insurance Experts!
We can get you better rates today, and position you to get better rates in the future.
Do you know that California Worker’s Compensation rates can be discounted by as much as 55%? And that your CA modification factor can save you nearly another 40%! GDI Insurance Agency, Inc. can help you save money on your Workers Comp, call us today 1-209-634-2929
We offer all of our clients free OSHA compliant safety programs tailored to your business and focused on reducing the claims you are having. We support this with a full HR program that is the platform used for integrating your workers compensation insurance claims cost control program, which we put together and monitor for you.
Learn About the GDI Client Philosophy!
If You Think This Sounds Too Good To Be True, Here Is What Just A Few Of Our Clients Have To Say about their Contractors Insurance:
"“…$385,000 less a year than we were paying
We looked hard at all our budget items, and insurance seemed to be a big fixed expense. GDI found us a policy for $385,000 less a year than we were paying”
-CA Home Builder
"…found me coverage for $140,000 less a year
When everyone else said that was the best they could do, I called GDI, and they found me coverage for $140,000 less a year than anyone else offered.”
-CA Cement Contractor
GDI Insurance Agency, Inc. Your Trusted Business Insurance Experts
At GDI Insurance Agency, Inc. we will do the work for you to ensure you have the best protection plan for your California business automobiles. Not only that, but as you can see, we will go the extra mile to make sure your business is protected from the inside-out.
Located in Turlock, CA we have offices throughout California’s Central Valley, Northern California and beyond.
To put the GDI Insurance Agency, Inc. experts to work for you, simply fill click our quote button above or call our office today at 1-888-991-2929 to learn more about GDI’s Exclusive California Commercial Contractor Insurance Program!