Why You Need Roofing Contractor Insurance In California

By Brian Garner

If you are in the roof installation industry, you most likely know that it is one of the jobs that has several risks. These range from occupational hazards to errors, which could lead to structural damages. And the worst thing is that some of these risks could drive you out of business if they are not managed well. With this in mind, it is vital to have adequate insurance cover. This way you and the property owner will have a peace of mind knowing that financial liabilities will be taken care of in case of any damage or injuries. Here are some of the reasons why you need Roofing Contractor Insurance In California.

First, you need to cover yourself and your team against injuries that may occur while handling a roof installation project. If you employ other technicians in your business, then having adequate cover will ensure that you are save from financial and legal liabilities that may arise as a result of injuries sustained in the course of duty. The cover will take care of the medical charges for treating the injuries as well as compensate them for partial loss of income when they remain paralyzed for a longer time.

A roofing employee cover saves you from professional liability. Since the roof is one of the integral parts of the building that offer defense against nature, it, therefore, means it attracts higher risk. When you are insured, you are covered against negligence, omission, errors or even work done by other contractors that could have made the roofers work more difficult thus resulting in damages. On top of this, you are covered against any liability in case the roof is damaged by your staff.

Another reason why insurance is important is that if third-party properties or persons get damaged by the roof you are working on, you should be able to cater for the damages. You should also ensure that your equipment is insured even if you are leasing them. Roof materials and tools are costly.

Besides the need to cover your business against the unexpected, indemnity cover is also a state requirement. So, most of the clients will like to know if you have a roofing contractor insurance before engaging you in their projects. If you do not have such a cover and you caused some damages to a client project that you are unable to rectify, you will have lost reputation.

In addition to the above, you might also be penalized for not adhering to state regulations. In case of an emergency where an employee got injured, he or she might sue you and the property owner. This is the last thing that you would want to expose your clients to. This will present your business in a negative way and some competitor might take advantage of.

Given the nature of roofing jobs, you should always plan with worst scenario in mind. In this case, you should understand that damages or emergencies could mean the end of your business if you are not adequately covered against various risks.

The good news is that you may not need to spend much to get yourself insured. Depending on your requirements and the size of your business, you may get a good cover with affordable yearly premium. Plus, there are several ways you can reduce the premium, for instance, reducing maximum level of coverage and bulk payments.

About the Author:

You can get an overview of the advantages of using Roofing Contractor Insurance In California and more info about well-respected Roofing Contractor Insurance In California today.