North Dakota Roofing Contractors Insurance

Jack is a great roofer. He takes his time on every roofing job. He understands the importance we place on having a watertight roof over our heads. Jack had finished the roofing work on a client’s remodeling project. Everything looked great as usual. The client was thrilled, and Jack got paid for a job well done, so he was merry, and business continued. About six months later, Jack received an alarming call from his client. The client is stating that his roof was leaking. It caused damage to the inside of his home. Some ceilings and sheetrock were damaged. Jack’s client demanded that the roof be fixed, and the damages repaired. Jack, being a good businessman, went on the rooftop to investigate. Sure enough, the storm from a few days earlier damaged some shingle allowing water to come in. Jack advised the customer he had wind damage and to report it to his homeowner insurance company. Jack did not need to use his Roofing Contractors Insurance policy. Had this been improper installation. His roofing insurance company would have paid for the damages to the inside of the home.

A roofer’s job is never done. Even upon completing a specific job, there will always be plenty more work to do. Sure, the shingles have been nailed. Everything is sealed up. Everything looks great! But the liability that comes with this job keeps going, even after completed. Roofing Insurance policies cover the jobs a roofer is currently working on. As well as protecting those completed jobs. This allows a roofer to focus on the tasks at hand. It is letting them forget about potential liabilities down the road.

What is Roofing Contractors Insurance?

Roofing Contractors Insurance is not a single type of policy. It is a combination of commercial coverages. These coverages offer your roofing business protections against its unique risk factors. Many coverages can be added to your roofing contractors’ insurance. There are some industry-standard coverages that all roofers should have.

Buy Roofing Contractors Insurance Coverage for All Your North Dakota Business’s Needs

Roofers have more general insurance needs. Protect these with a Roofing Insurance policy as well. Those needs include but are not limited to:

Commercial General Liability Insurance: Commercial general liability insurance offers coverage for third-party claims. Claims for bodily injury, property damage, advertising injury, and other losses.
Commercial Property Insurance: Commercial property insurance offers coverage for your business’s building. Along with the equipment, supplies, inventory, and other business property housed within it. This coverage protects against the damages or losses caused by a break-in—also, acts of vandalism, fire, extreme weather event, and so on.
Commercial Auto Insurance: Commercial auto insurance offers protection for company vehicles. Also, the employees that operate them. This policy offers bodily injury liability, property damage liability, and medical payments coverages. This policy can also extend coverage to personal vehicles. Vehicles your employees operate for commercial purposes. But please beware that personal auto policies can exclude autos used in business. We are talking about autos carrying tools and materials.
Workers Compensation Insurance: Workers’ compensation insurance is required if you have employees. This type of insurance offers coverage for injured employees or those who become ill while on the job. You should never pay a medical bill out of pocket. This would result in the insurance company having no defense. No defense in turning down or disputing the claim.
Surety Bonds: A surety bond is like a loan from a bank. I must be repaid paid back. They are client guarantees that your business can fulfill the terms of the job. But it also protects your clients against any liability or malpractice issues. Issues that might arise because of your work.
And many more!

The specific needs you have as a roofer are unique. A Roofing Contractor Insurance policy allows you to tailor the policy or policies. Tailoring it fit your exact requirements. Giving you the coverage you desire at an affordable rate.

Contact North Dakota Contractors Insurance. Make sure you have the right coverage at the best price.

Do you have the right general liability policy to cover your roofing business? Most policies need to be more customized to fit your specific needs. It would be best if you had the full protection you desire. To be sure, complete our quick quote form. Or give us a call at 952-222-8073. We can review the policy you have now, making sure the coverage is adequate. Then we can provide a no-hassle, free quote as an alternative. We are confident that our North Dakota insurance specialists can help you. Help you find affordable roofing contractors’ insurance. North Dakota Contractors Insurance can answer all your questions. Our dedicated team is eager to assist you and meet all your insurance needs.

We look forward to hearing from you!