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What is Roofing Insurance?

Working on a roof comes with some inherent risk of injury, and injuries are just some of the risks that roofing businesses face. Roofing insurance can help Massachusetts roofers financially protect themselves from certain injury-, liability- and property-related risks that they’re exposed to.

Roofing insurance policies are specialized commercial policies that have been uniquely crafted to meet the needs of roofing businesses. In order to meet multiple risk mitigation needs, these policies typically come as package policies that have several coverages within them.

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What Businesses in Massachusetts Need a Roofers Insurance Policy?

The vast majority of Massachusetts businesses that provide roof repair or installation work can benefit from having a roofers insurance policy. These businesses may include (but aren’t necessarily limited to) the following:

  • Residential roofers
  • Commercial roofers
  • Metal roofing specialists
  • Slate roofing specialists
  • Tile roofing specialists

Additionally, these businesses normally should have insurance regardless of how their legal structure is set up or how big they are. Sole proprietors, LLCs and other corporate structures may provide some legal protections, but those protections are largely different from the protections that insurance offers. Also, businesses can face lawsuits and sustain losses no matter how large or small they may be.

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What Protections Are Available Through Roofers Insurance Policies?

As mentioned, most roofers policies provide multiple coverages within them. The exact coverages that a particular policy provides can vary, but many policies make coverages like the following available:

  • General Liability Coverage, which might cover certain third-party injuries and damage to third parties' property that are a business’ fault
  • Product Liability Coverage, which might cover injuries and damage brought about by failure of a product that a roofing business sells
  • Professional Liability Coverage, which might cover injuries, damage and other negative effects brought about by errors in a roofer’s advice or work
  • Commercial Vehicle Coverage, which might cover trucks and other vehicles that are owned by a roofing business
  • Inland Marine Coverage, which might cover equipment that a roofing business owns while the equipment is being transported
  • Loss of Income Coverage, which might cover prolonged revenue losses brought about by certain natural disasters
  • Umbrella Coverage, which might cover expensive lawsuits with additional liability protection

Along with these, roofers may also want builders risk coverage and other protections. An insurance agent who specializes in roofers policies can help roofing businesses select the coverages that are most appropriate for their situation.

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Do Roofers Insurance Policies Have Workers Compensation Coverage?

Workers compensation coverage protects against the risk of on-the-job injury, and it’s a coverage that roofers who have employees are normally required by state law to carry. Whether this coverage comes with a roofers policy depends on the policy, though. Some businesses may get workers compensation through a roofers policy, while other businesses might need to purchase a separate insurance policy that provides this one protection.

What is an Uninsured Subcontractor Endorsement?

When a roofing business hires subcontractors, the roofing business might be held financially liable for a claim involving a subcontractor if the subcontractor doesn’t have their own insurance. An uninsured subcontractor endorsement typically adds protection against this specific risk to a roofers policy.

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Do Roofing Businesses Need Bonds?

In many parts of the state, roofing businesses are required by local law to be bonded. Some customers will also only use roofing businesses that have bonds. 

Roofing businesses that need bonds can usually get them from an insurance company that offers roofers insurance policies. An agent who specializes in this type of insurance can likely also assist with securing a bond.

How Can Roofing Businesses in Massachusetts Get Roofing Insurance?

For help finding roofing insurance, contact the independent Massachusetts insurance agents at Keefe Insurance. Our agents can show you policy options from many different insurance companies in the state, and we have the expertise necessary to help you select whichever policy will best meet your roofing business’ needs.

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