Georgia Roofers Insurance Coverage: Finding the Right Policy
If you’re in the early stages of starting a roofing business, you already know there’s no shortage of expenses. From equipment purchases to licensing to hiring and training employees, starting your business takes time, effort, and money.
Georgia roofing contractors insurance might seem like just another expense, but it’s an indispensable part of running your business safely and responsibly. And with Affordable Contractors Insurance, you can get a great policy for a low price.
Why Do You Need Contractors Insurance?
Don’t make the mistake of thinking that an insurance premium is just another expense. Residential or commercial roofing insurance in Georgia is an investment in your company. Insurance protects your workers, your tools, and your business itself. Here are just a few ways your insurance offers protection:
- If a worker is injured, workers’ compensation insurance will cover medical costs and lost wages
- If your tools are lost or damaged, insurance will pay for replacements
- If a customer files a claim or lawsuit against you, your insurance will pay for legal fees and any settlements awarded
Without insurance, you’ll be stuck paying these expenses out of your own pocket. In some cases, those expenses can put your company out of business.
What Type of Policy Do You Need?
The world of insurance can be a complex one to navigate. Fortunately, the experts at Affordable Contractors Insurance can help you find your way through it. But before you buy a policy, it can be helpful to know a bit about the different types of policies and which ones you may need.
If you and your company primarily work on private homes, you’ll need residential roofing insurance in Georgia. Likewise, if you fulfill commercial contracts, you’ll need commercial roofing insurance. Commercial insurance typically has higher policy limits.
Those are two basic types of insurance, but there are other policy types to consider:
- General liability insurance covers injury to third parties
- Errors and omissions insurance covers faulty or incomplete work
- Tools and equipment coverage protects your equipment in the event of loss, damage, or theft
- Workers’ compensation insurance covers costs associated with on-the-job injuries
- Commercial vehicle insurance covers you if a work vehicle is damaged or causes damage or injury
Georgia law requires roofers to have insurance, but it’s always a good idea to have more insurance than state law requires.
High-coverage Georgia roofers insurance coverage means you’ll have to spend less in the event of an injury or lawsuit. It also means you won’t have to spend thousands out of pocket if your tools are damaged or if your work vehicle is involved in an accident.
Let ACI Help You Choose a Policy
At ACI, we insure only contractors. Our agents know the roofing industry well, and they understand how confusing buying your first (or next) policy can be.
When you work with us, there’s no need to worry. We’ll be with you every step of the way. Additionally, we can find you a great policy for a great price — most of our customers save at least 15% over our competitors’ prices. Contact us for a free quote to get started!
