Insurance for Roofing Contractors in Texas

Insurance for Roofing Contractors in Texas

When homeowners are able to sleep soundly during a rainy evening, they have you to thank for placing a roof on top of their heads. As a roofing contractor, it’s your job to make sure that homes are topped with a sturdy roof to protect its residents from the weather.

However, working in this industry also comes with its risks. One mistake can lead your client to sue your business, or worse, cost you your life. That’s why it’s crucial that you protect your brand with the right insurance policies.

Contact Quote Texas if you’re looking for a reliable and trustworthy insurance company to create an insurance plan for your roofing contracting business in Texas. We provide various policies, which you can choose from. However, for your business, we recommend getting the following:

Commercial General Liability Insurance

Commercial general liability is a basic insurance policy that covers the damage and liabilities that arise during business operations or caused by the actions of your employees. These include:

  • Deaths and bodily injuries
  • Damage to other people’s property
  • Personal and advertising injury

It also helps cover the costs of medical fees if you’re found liable for the claims, as well as your legal defense – should you be sued.

Commercial Property Insurance

Even though you work on other people’s buildings, your main office should also receive enough care. Fires and floods could occur abruptly while you’re away, causing insurmountable damage that’s expensive to repair. However, with commercial property insurance, you’re provided coverage for the damage or loss of the following:

  • Landscaping
  • Furniture and fixtures
  • Building or structure
  • Other people’s properties
  • Equipment and inventory of goods

Workers Compensation Insurance

It’s also a good idea to provide your workers with workers compensation insurance. Although this policy isn’t a requirement for most private employers, it protects your workers and their families in case they meet an unfavorable incident during work.

Workers compensation insurance provides the following:

  • Medical benefits
  • Death benefits
  • Burial benefits
  • Income benefits
  • Vocational rehabilitation benefits

Commercial Auto Insurance

If you use company vehicles to get to and from the worksite, getting commercial auto insurance is highly recommended. This policy covers any damage that your vehicle could incur, as well as liability damages, should the other party sue you.

Professional Liability Insurance

It takes skill to install, repair, or maintain a roof. However, even the professionals encounter problems from time to time. Awry workmanship and injuries caused by accidents can happen without any warning, so having professional liability is a good thing to have. This policy is an essential element of any effective risk management plan because it will pay for your legal defense. It also covers compensations that the court might order you to pay.

You can trust Quote Texas to create a plan that’s tailored to your contracting business. We’ve been creating insurance plans for various industries, and have protected them from financial burdens since 2001. Our agents are familiar with your industry’s needs, so call us today at 844-756-8684 and we’ll get started in creating your insurance plan.