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What is Roofing Insurance?

Roofing businesses can be financially profitable endeavors, but they aren’t without risk. Roofers are exposed to a variety of liability and property perils, along with many other perils. Roofing insurance policies help protect roofing businesses located in Massachusetts from a range of potential risks.

Roofing insurance policies are specialized commercial policies that have been tailored to meet roofing business’ unique insurance needs. In order to provide coverage against a range of possible risks, most policies are crafted as package policies that come with several coverages. Businesses can usually adjust the coverages in their particular policy to suit their situation.

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What Massachusetts Businesses is Roofers Insurance Right For?

Most Massachusetts businesses that work on roofs can benefit from the protections that roofers insurance affords. Some specific businesses that may want this type of policy include those that install or repair:

  • Residential roofs
  • Commercial roofs
  • Metal roofs
  • Slate roofs
  • Tile roofs

Moreover, these businesses generally need a policy regardless of their size or legal structure. Both large and small roofing business may be exposed to risks, and the protections that articles of incorporation offer normally are different form the protections an insurance policy provides.

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What Protections Are Available Through a Roofers Insurance Policy?

While there isn’t necessarily one set of coverages that every roofers insurance policy comes with, there are a number of coverages that many policies offer as standard or optional features. Some of these coverages include:

Along with these coverages, roofing businesses should also consider whether commercial umbrella coverage, builders risk coverage or any other coverages are could help further mitigate the risks they’re exposed to.

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How Can Roofing Businesses Get Bonds?

Certain municipalities require roofing businesses that operate within their jurisdiction to be bonded, and some customers will only hire roofers who have a bond. 

Although bonds aren’t the same as a traditional insurance policy, they’re frequently offered by insurance companies. An insurance agent who specializes in roofers insurance can likely assist with getting any bonds that are necessary.

What is an Uninsured Sub Endorsement?

An endorsement is a narrowly defined insurance product that gives a specific protection. They can be added onto many different types of insurance policies, although the endorsements that any one policy can include depend on that policy’s terms and options.

An uninsured sub endorsement is a protection that might be added onto roofing policies to protect the roofing business in the event that one of their subcontractors doesn’t carry insurance. Should an uninsured subcontractor cause a covered accident, this endorsement may protect the roofing business that hired the sub in the event that the affected party files a claim against the roofing business.

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How Can Roofers in Massachusetts Get Roofing Insurance?

For help insuring a roofing business located in Massachusetts, contact the independent insurance agents of Haberman Insurance Group. Our agents can help you request quotes for roofing insurance policies from multiple insurance companies in the state, and they have the expertise needed to assist inc comparing the various options to select the best one.

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