There’s a reason having a roof over one’s head is so important! Roofs are an integral part of any home. If repair, installation, or upkeep of a roof causes issues, the roofer could be liable. Further, if anyone is injured or property is damaged during roofing, that liability could still apply. Roofing insurance helps your contractor policyholders work without worry and can help you write more business.
Types of Roofing Insurance
Most of your roofing clients will need commercial general liability insurance suited to their specific needs. Prime Insurance Company works hard to understand each of our policyholders’ risks and exposures, so your clients will get the coverage they require.
We understand that roofing contractors work at many places, doing many jobs. Our general liability insurance covers for accidental damage or injury at these locations. General liability roofing insurance can also cover issues with products and completed operations. That means that if your client’s work causes damage or injury after it’s done, they have protection.
A roofing client might want additional coverage like commercial property or inland marine, covering property that does not remain at a fixed location. Together, these coverages can prove invaluable to a client who ends up dealing with a disaster impacting their property. It can cover tools, supplies, and the property of others while it is in their care.
Commercial auto insurance, tools and equipment insurance, or an additional umbrella policy to extend coverage may all work for your client. We work in partnership with every producer and all of their clients to find the ideal insurance solutions. If a client has been turned down by other insurance companies or is concerned about their claims history, it’s worth reaching out to us to find out what we can do.
Why Roofing Insurance Matters
The costs of a roofing-related lawsuit can be devastating for contractors. Good roofing insurance will defray those costs so your clients can continue with the work they love.
One case in Buffalo saw an employee of a roofing company fall while replacing a roof. He fractured both legs and ultimately required amputation. After filing a suit, he accepted a $9.5 million settlement.
In Missouri, the state itself sued a housing contractor alleging a pattern of taking money for repair projects, not doing the work, and not refunding customers. One case involved $8,345 for roof installation, which was not performed. There is a similar issue in Pennsylvania, with the attorney general’s office filing suit against roofing contractors alleging fraud. And in Dayton, a roofing contractor was sentenced to prison and ordered to pay over $25,000 after failing to repair damage. A civil lawsuit followed.
Working with Prime Insurance Company for Roofing Insurance
It’s clear that roofing contractors and professionals need insurance to survive. Many companies are required to show proof of insurance to bid on projects or take on work. Given that these potential customers need insurance, why not add to your own business by giving them the best insurance around?
Prime Insurance Company is dedicated to providing the right coverage at the right time. We understand that not every risk or exposure is clear, but we seek to uncover those underwriting concerns. With our extensive industry experience and excellent risk management practices, we can mitigate risks and help businesses move toward further success.
Our risk management team is all in-house and dedicated to working with every producer and every insured. We conduct interviews, visits, and information-gathering sessions to understand your client’s risk fully. Then, we give recommendations and strategies to reduce those risks.
You can be as involved as you would like to be. We invite producers on our risk management trips and will update you on our strategies and approaches. If a claim comes from your client, we keep you aware of what’s going on with your policyholders.
Our high-quality customer service continues for your clients who make a claim. We believe in fair payment for fair claims and continue to rely on our industry experts to make that happen. We stay in regular communication with the insured and offer 24/7 claims assistance.
We have the best solutions for specialty risks. To see the Prime Insurance Company difference first-hand, apply for a quote online. You can also reach out to us for more information or to discuss a potential client and their insurance needs. Call us at 800-257-5590 or email firstname.lastname@example.org. Find us on social media on Facebook, Twitter, YouTube, LinkedIn, and Instagram. And be sure to check out our website at https://www.primeis.com/.