Why You Need Roofing Contractor Insurance In California

By Cynthia Cobb

While roof-work might be one of the methodological jobs, it also presents some risk. First, there is the risk of falling from the ladders and roofs. There is also the danger of inhaling toxic substance which can cause illness. Besides the risks the rooftop poses to workers, it also does not provide room for errors. Like foundations and walls, roofs are an integral part of a building. So, you have to ensure all the steps must be covered in the right order and conclusively. With these reasons in mind, having Roofing Contractor Insurance In California is essential.

First, you need to cover yourself and your team against injuries that may occur while handling a roof installation project. If you employ other technicians in your business, then having adequate cover will ensure that you are save from financial and legal liabilities that may arise as a result of injuries sustained in the course of duty. The cover will take care of the medical charges for treating the injuries as well as compensate them for partial loss of income when they remain paralyzed for a longer time.

Another area that this policy will come in handy is covering yourself against professional negligence. So, in case of any omission, errors or negligence on your part or your staff, the insurance will ensure that your legal liabilities are taken care of. This will also cover instances where the damages arose because of the work of other contractors that made it difficult on your part to work smoothly.

The insurance also covers damages to third party properties which are caused by you or your staff while engaging in your roofing project. For instance, damaging a neighbors fence in the process of putting up the roof. As you choose insurance options, make sure you have the one that covers your tools and roofing materials.

The purpose of getting roofing insurance goes beyond just protecting yourself. It is a requirement. For instance, the law requires that you cover your workers against injuries. Likewise, an insurance cover gives property owner peace of mind knowing that they are not liable in case of an emergency. So, when you do not have a roofing insurance, you risk losing your credibility as well as potential clients.

Besides losing reputation, you also risk being penalized by the state when you do not have insurance that covers your staff. And in case of an emergency where an employee or third party gets injured, the employee can take legal action against your business or the homeowner. This will give you a bad image and your competitors will have the opportunity to use your shortcomings for business gain.

Basically, when you have constructor policy, you ensure that you will remain in business even during worst emergencies. For, instance if a storm struck the roof, the results could be catastrophic. So, if you do not have the right insurance, it could mean the end of your business.

Depending on the size of your firm and the type of projects that you handle, you can get a customized cover at affordable rates. In some cases, you can even lower the premium by choosing options such as bulk payment as long as you do not leave anything uncovered.

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