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Florida Roofing Contractor Insurance quote and info.

  1. How do you define Florida roofing contractor insurance?
  2. What risk exposure do roofers have?
  3. What is the price of Florida roofing contractor insurance?
  4. Is roofing business insurance required in Florida?
  5. What other insurance should roofers consider?
  6. Can you provide insurance anywhere in the state?
  7. Why are insurance companies so confusing when it comes to workers comp?

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How do you define Florida roofing contractor insurance?

Roofing contractors install and repair or re-roof residential and commercial structures. In some cases, some siding, gutter or insulating material may be a part of the operation. Florida roofing contractor insurance can help protect your business from serious loses.

Your business may vary depending on building height and roof configuration. A roof consists of a decking, of wood or metal, on top of which a covering is installed. “Flashing” made of sheet metal is installed at corners and joints. Other roofs are covered with shingles made of various materials. Especially asphalt, wood, slate, or concrete or man made materials.

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What risk property exposure do roofers have?

An office and a yard, and sometimes a shop. Hazards depend on the type of roofing you are installing. Also, the process conducted at the yard or base facility. If you repair your owned vehicles, fire hazards may be high. Any preparation work with hot tar at the yard site increases the fire potential. Not only for the insured, but also for neighboring properties.

Tools and building materials may be subject to damage. By dropping or loss due to theft by third parties or employees. Additionally, material being installed is highly susceptible to damage. During handling or from wind or rain before installation is complete.

What risk premises exposure do roofers have?

Roofing materials or tools dropped during work may cause serious injuries. Weather may damage the unfinished portion of the roof or the interior of the building. Also, repair using hot tar may be a fire hazard. Leaks or wind damage to a roof that has not been installed properly. Gradual seepage of water can cause mold or rot within the structure itself. Quality control is an important issue to evaluate.

Exposures from the disposal of old roofing materials. For example waste tar, asphalt, sealants and adhesives. Removal of asbestos tiles may be a concern. Although the asbestos in tiles is typically non-friable. It does not readily crumble and become airborne. Waste disposal practices need careful review.

What automobile liabilities might roofers have?

Roofing commercial insurance policies might sometimes need auto coverage. The transport of heavy equipment and materials may aggravate an accident. Loading/unloading hazards may be significant. If you use hot tar or asphalt, transport may be hazardous. Age, training, experience, and drivers records can effect rates. As well as the age, condition, and maintenance of the vehicles.

Do roofers require workers comp insurance?

Workers Compensation has risks even when losses are controlled. Any time you work above ground in Florida, the potential for injury from fall can be severe. Common hazards include injuries from lifting amd cutting the materials. Also work with hand and power tools. Burns and eye, skin, and lung irritations are common. Serious injuries can result from falling due to weather.

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What is the price of Florida roofing contractor insurance?

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Is roofing business insurance required in Florida?

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What other insurance should roofers consider?

Business Personal Property, Contractors’ Equipment and Tool Floaters, Accounts Receivable, Valuable Papers, Installation Floater, Goods in Transit, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Commercial Auto, Stop Gap Liability, Workers Compensation

Why are insurance companies so confusing when it comes to workers comp?

I’m sorry that you feel that you’ve been getting the runaround.

Insurance for Roofers especially new roofers can be particularly difficult to obtain.

The General Liability is not that hard, and it is based on the type of roofing, payroll, sub-contractor costs and estimated annual revenue.   The problem usually ends up being the cost is high and the coverage not as broad as people would like.  This is especially true if you maybe had coverage in a different state and you are trying to come into the Florida market.  The available carriers and coverage is extremely limited compared to other states.

This is due to the significant amount of litigation involved with roofing companies in our state.

The workers compensation is difficult for a completely different reason.  Many small or new roofers do not have many full time employees and too many subcontractors, so there are no private carriers that are willing to write the coverage.

Most roofing firms work with labor firms that provide workers compensation for the employees hired through the firm, professional employers organizations or if they have employees through the Florida Workers Compensation Joint Underwriting Association (FWCJUA).  I will say though that writing coverage through the FWCJUA is extremely difficult because their requirements are significant and usually a pretty heavy burden on small businesses.

These are obviously generalities based on what we commonly see and discuss with roofers but every situation is different.  If you would like to set up a quick call with Max in our office who can answer more questions for you and/or help you with the General Liability quote, you can set that up online at www.talktomax.info and pick a time that works best for you.

Feel free to contact our office if you have any questions or need any additional information.

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach

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