Having Roofing Insurance lets your clients know that you have obligations towards your work and all parties involved in the project. Having a policy shows your legitimacy, long-term dedication to the business, and is a sign of quality assurance. You demonstrate your minimum level of competency and willingness to establish accountability for your work to your client. While it may seem that you are paying more upfront, when injuries or property damage occurs, you won’t have to pay out-of-pocket or deal with lawsuits. You will be protected against risks and be able to expand your network of clients too.

While Roofing Insurance may not prevent accidents, it’ll serve as a safety net when you need it most. Especially if you’re hiring contractors or sub-contracting roofing jobs, you’ll want to ensure that you don’t become liable for any negligent acts by your workers. Even if you don’t have a claims history, that doesn’t mean that you may never encounter accidents in the future. Make sure you have the appropriate coverages to run your business and protect those around you.

Regardless of the size of your business operation or whether you offer commercial services, roofing contractors and businessowners should have a Roofing Contractors Insurance policy in place to protect themselves from accidents, lawsuits, and liability claims.

Here are some roofing businesses that can benefit from our Roofing Insurance:

• Hot tar roofing
• Commercial roofing
• Residental roofing
• Green roofing
• Leak repair + maintenance
• Roof snow + ice removal
• Metal or slate roofing
• Attic ventilation
• Shingle roofing (asphalt, solar, etc.)

Rest assured knowing that whatever your roofing business specializes in, your financial safety and business well-being are in good hands with us at Novinger Insurance.

A comprehensive Roofing Insurance policy will cover risks your business encounters on the regular basis. Here are some common coverages that can be found in a Roofing Insurance policy:

• Commercial general liability (CGL) insurance
• Roofing contractor’s equipment
• Rented leased equipment
• Surety bonds
• Workers compensation
• Office contents
• Business property
• Builder’s risk (broad form property insurance or course of construction policy)
• Pollution liability insurance
• Removal and replacement of defective products
• Installation floaters
• Contractors equipment floater
• Wrap up liability
• Delayed Start Up
• Professional liability (especially if you offer consultation or design services)

Get the right coverages to safeguard against potential risks and hazards. Contact our roofing policy specialists at Novinger Insurance at 416.528.8305 or fill out the contact form below to learn about your coverage options.

When determining a premium for a business, we have to consider many business-specific elements, ranging from the size of your business to the coverages you need. The cost of your premium relies on several variables, including:

• Past insurance claims/loss history
• Where you’re located
• Tools and equipment you own
• Years and experience in the industry
• Services provided (residential vs commercial)
• Deductibles
• Annual and projected revenue
• Policy limits and terms
• Number of employees
• and more

Running a roofing business can be physically and mentally challenging, especially when you have to meet the deadlines, ensure client satisfaction, and anticipate and address risk exposures. The following list contains some risks that you may encounter from day to day in the field:

• Bodily injury (slips, trips, falls, musculoskeletal injuries)
• Contractor fleet
• Biological and chemical hazard
• Severe weather
• Environmental liabilities (disposing of old roofing materials, waste bitumen)
• Inland marine
• Automobile liability
• Crime (cyber, theft of tools/equipment/materials/cash)
• General liability (product + completed operations)
• Third-party/employee/client injury
• Malfunctioning and equipment breakdown
• and more

Not sure what coverages you need in your policy? Contact us at 416.528.8305 to find out how we can customize your Roofing Insurance policy!