Insurance for Roofers
To get a quote just answer a few simple questions about your roofing business, or call to discuss your coverage options 1-888-298-7343.
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You need professional advice that doesn’t cut into the bottom line.
Every business owner needs an insurance broker who leaves nothing to chance, wants to save you money – and is willing to share the unvarnished truth.
You need to keep your guys working.
We help you prioritize the liability coverage options that protect you in case a customer or other party takes legal action against you or your team. You can keep working with confidence knowing you are covered.
You need the flexibility to do business from your truck.
We give you the ability to access real time proof of insurance certificates, and make changes to your coverage when you’re on the job working, on a coffee break or between sites.
You need to know we’re a handshake away.
The only thing better than our online experience, is the commitment of our Excalibur Defenders – who double check coverage, and champion small business owners at every turn of the wheel.
Coverage Options for Contractors
What do I need & where can I save?
Coverage You Need to Grow Your Business
Fleet Insurance
Commercial Fleet coverage ensures that any vehicles used by your business, occasionally or full time, are protected in the case of an accident.
Equipment Breakdown Insurance
Equipment Breakdown Insurance protects the equipment your business depends on from sudden and accidental, physical damage that requires its repair or replacement.
Commercial Umbrella Liability
Commercial “Umbrella” Liability coverage extends the limits and coverage of your Commercial General Liability (CGL) insurance capacity. It acts like a shield moving to fill gaps that might exist in your individual policies.
General Liability Coverage
Commercial General Liability, or CGL, is the most basic form of business insurance coverage. It may cover a food & beverage professional from accidents both in-and-outside of regular services. This includes lawsuit expenses due to incidents of slips and falls, structural collapse, or other incidents.
Business Interruption Coverage
Many small businesses are not insured if something happens where they need to temporarily close due to a claim. A fire, flood or break in may temporarily halt business and create serious cash flow stress.
Commercial Property Coverage
If you have a brick and mortar spot your business calls home – you might want to protect it. This coverage protects your business premises against losses due to theft, fire, vandalism, falling objects and other ‘named perils’
Cyber Insurance
Cyber Insurance helps cover expenses when your network is hacked, or your data is stolen. It can include coverage for extortion, crisis management, and business interruption expenses.
The Coverage You Probably Should Have:
Loss of Income Insurance
In the event of an insured loss to your business, like a fire or other disaster, this insurance coverage will pay for your lost income to keep your business going until you are back up to full strength.
Other Coverage You Might Want:
Property Insurance
As a contractor odds are you have tool and machinery either in your truck, at the jobsite or at your shop. These are always in danger of theft or other types of damage. Depending on the number and cost of the tools and machinery you have you may want to consider a floater to cover these items. There are options depending on their age for replacement cost coverage. If you own or rent your shop there is coverage available for that as well. If you have any questions you can always contact your broker who can walk you through your coverage.
Installation Floater
No matter what type of contractor you are you will at some point have a high dollar value of property that you have installed, or is sitting at a jobsite prior to the completion of a job. Copper, Wiring, Building Materials, and Cabinets – are all subject to fire, theft or other damage while on a job site. Contractor’s property insurance will not cover these items, so an installation floater is nessesary yo protect your property while at the job site.
Auto Insurance
The auto insurance needs for contractors is different from personal auto insurance. Personal auto insurance is not designed to cover when employees drive vehicles or when the vehicle is transporting goods to and from a job site. There can be issues in the event of a claim if a contractor’s vehicle is insured on a personal auto insurance policy. The contractor’s vehicles can be grouped together on a fleet insurance policy or can be insured individually depending on the usage and drivers of the vehicle.
Other Coverage You Might Want:
Property Insurance
As a contractor odds are you have tool and machinery either in your truck, at the jobsite or at your shop. These are always in danger of theft or other types of damage. Depending on the number and cost of the tools and machinery you have you may want to consider a floater to cover these items. There are options depending on their age for replacement cost coverage. If you own or rent your shop there is coverage available for that as well. If you have any questions you can always contact your broker who can walk you through your coverage.
Installation Floater
No matter what type of contractor you are you will at some point have a high dollar value of property that you have installed, or is sitting at a jobsite prior to the completion of a job. Copper, Wiring, Building Materials, and Cabinets – are all subject to fire, theft or other damage while on a job site. Contractor’s property insurance will not cover these items, so an installation floater is nessesary yo protect your property while at the job site.
Auto Insurance
The auto insurance needs for contractors is different from personal auto insurance. Personal auto insurance is not designed to cover when employees drive vehicles or when the vehicle is transporting goods to and from a job site. There can be issues in the event of a claim if a contractor’s vehicle is insured on a personal auto insurance policy. The contractor’s vehicles can be grouped together on a fleet insurance policy or can be insured individually depending on the usage and drivers of the vehicle.
