Colorado Roofing Contractors Insurance

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Why Do You Need Colorado Roofing Contractors Insurance?

If you’re fortunate enough to have never faced a claim or a lawsuit from an injured or dissatisfied client or employee, you might not fully understand the importance of good contractors insurance. Insurance protects your company from the financial fallout of claims, including settlements and legal costs. How can it protect you?

Why Is Colorado Roofers Insurance Coverage a Good Investment?

If you have a new contracting business, it can be a challenge to budget your funds until profits start rolling in. One of the main mistakes newer contractors make is thinking they can save money by skipping out on insurance.

Not getting commercial or residential roofing insurance in Colorado might seem like a smart move at first — after all, without insurance, you don’t have to pay an insurance premium.

But even a single claim or lawsuit can be enough to put your company under if you have no insurance. And without insurance, you’ll be stuck paying settlements, attorney fees, and any other associated costs straight out of your own pocket.

You might think that because you’re careful and do quality work, you won’t face claims or lawsuits. However, there are more potential causes of lawsuits against contractors than you might think:

  • Failure to perform work as promised
  • Faulty work
  • Injury to an employee on the job
  • Injury to a third party
  • Property damage

Paying a premium for commercial roofing insurance in Colorado might seem like a nuisance. But in the event of a claim or suit, it can mean the difference between business as usual and financial disaster for your company.

Consider Extra Types of Insurance

The two main types of Colorado roofing contractors insurance are workers’ compensation (covers you in the event of a claim from an employee) and liability insurance (covers you in the event of a claim from a client or third party). However, there are a few other types of insurance you should consider adding to your policy:

  • Commercial Vehicle Insurance: Protects you if one of your work vehicles causes an accident, death, or injury
  • Tools and Equipment Coverage: Covers you if any of your tools are lost, stolen, or damaged
  • Pollution Insurance: Protects you if you are charged or accused of violating environmental laws

There’s a way to insure nearly every angle of your business. With all of the available insurance options out there, it can be tough to know what types you need and what types you don’t. Fortunately, the experts at Affordable Contractors Insurance can help you choose the perfect policy for you at the right price!

Not Sure What Insurance to Get?

Now you know why you need insurance, but the process of getting the right insurance can still be incredibly daunting.

Fortunately, our experts are here to help. At Affordable Contractors Insurance, our agents know both the roofing industry and the insurance industry inside and out. They can talk to you, help you figure out what coverage you need, and then help you get that coverage for the right price. It all starts with contacting us for a quote!

Have Your Policy Ready In No Time!

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