Roofing Insurance San Diego

General Liability Insurance for Roofers

It covers situations where a third-party (client or bystander) is harmed in a variety of ways, including property damage, bodily injury, and advertising injury. It will pay for legal fees and settlements that would otherwise put your company out of business.

Business Owner Policy (BOP)

Liability, business interruption, and property insurance are all bundled together in a convenient and more inexpensive BOP. It is less expensive than buying each of the insurance separately.

Workers’ Compensation

Workers’ comp insurance is required in almost every state. It safeguards you and your employees from workplace accidents, litigation, and settlements. It can cover the employee’s medical expenses as well as a portion of their wages if they are unable to return to work straight away.

Errors & Omissions

This policy, often known as professional liability insurance, protects you from client negligence claims. Personal harm, negligence, copyright infringement, legal defenses regardless of blame, and many others are also covered. It includes losses incurred as a result of things you did or should have done.

Commercial Vehicle Insurance

This policy insures commercial vehicles used for your roofing business, such as automobiles, vans, box trucks, pickup trucks, and trailers. You will save money on repairs, injuries, and other expenses.

Commercial Property Insurance

If you own a building, commercial property insurance may assist in safeguarding your company equipment, inventory, and premises. This insurance covers your equipment while it is on the premises, as well as the building itself if you own real estate where you store it.

Tools & Equipment

Coverage for tools and equipment ensures that your equipment is safe and secure, whether in your van, a trailer, or on the job site. If you do not own or lease the property but often transport pricey equipment to a job site, tools and equipment insurance can safeguard it from loss or theft.

Inland Marine Insurance

Inland Marine insurance is designed to protect moveable or transportable property. It is frequently used to cover property that requires more protection than a standard BOP can give and should be part of your comprehensive plan whether you are operating off-site, shipping or transporting items, or need coverage for your equipment.

Business Interruption Insurance

This insurance protects a business’s loss of income due to a disaster. It will cover your ongoing company expenditures while you are closed and the loss of money you would have received during that period that might occur from a disaster-related business closure.

Umbrella Coverage

This is an add-on policy that you may apply to an existing insurance policy to increase the coverage limit. If your current policy’s coverage is insufficient for the level of risk you are taking, you may want to consider adding an umbrella policy.

Surety Bonds

Although surety bonds are not literally insurance policies, they do give job guarantees. They should be considered as part of a comprehensive roofing insurance package.