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21 Nov The Importance of Insurance for Roofing Contractors
If you’re a roofing contractor, you need to make sure that you are fully insured and prepared for any accident or liability. Let’s face it: Roofing isn’t the safest business around. Roofers die at almost double the rate of average construction workers. Many others are injured.
Injuries are not limited to falls from roofs and ladders. Toxic materials and hot tar are used in roofing. These can cause illness and injury.
There are many things you need to be insured for. You need to be covered for any physical injuries to yourself. If you hire other workers, you need to be insured against any liabilities arising from injuries that may occur to them. You should be able to pay their medical bills, even if you are not at fault.
If someone gets damaged by a roof you worked on, you need to be protected against that as well. The same goes if you fail to protect the property. In addition, if a roof you worked on gets damaged by your workers, you should be prepared for that as well.
You also need to make sure your equipment is covered and insured. This applies whether you own them or are leasing them. This applies to inland marine insurance as well; you should be insured in case anything happens to your equipment while you’re transporting them from one place to another. Your trucks and vehicles should be insured as well.
Your business should also be protected. If you need to cease operations for a while, you want to be prepared for that.
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