If you are a broker or an insurance carrier of a roofing company or an independent roofing contractor, you and your client can face unique challenges when it comes to finding adequate coverage for all of the various liabilities tied to the roofing construction and repair industry. Often, many of those liabilities aren’t quite covered under general business insurance, even commercial general liability insurance provisions. Here are some of the additional areas of coverage that your client may need in order to best secure their financial future and that of their business.
- Failure to tarp or protect the property: Property protection is a key aspect of the roofing business, even if it seems secondary to the direct services of roof construction or roof repair. Your client could be found liable for not adequately tarping or protecting the area in or around their work, especially if damage occurs due to exposure to the elements and weather. Excess coverage can help minimize financial risk in the event of mistakes that cause property damage.
- Hot tar and high-risk applications: Tar and gravel roofing have unique dangers associated with them due to the high heat and risk of fire. Not only can this cause property damage in the unlikely event of a roof fire, which can be started through the mix of heat, small spaces, and the fiberboard or insulation of old buildings, but the application of these materials can be additionally hazardous to your client’s employees.
If you’d like to learn more about why Prime Insurance Company is a preferred provider of excess insurance for roofing companies, please contact us here. We’re happy to help you find the right elements of coverage for your client’s business’s array of services, coverage requirements, and insurance concerns.