Hawaii Roofers Insurance Coverage
As a business owner, you understand the importance of investing in the success of your company. A good insurance policy is one of the most critical investments to make. But if you’re new to the world of insurance, it can be difficult to determine what you need (and don’t need) in a policy.
At Affordable Contractors Insurance, we only work with contractors, so we can help you find the best policy for you.
What Does Hawaii Roofing Contractors Insurance Cover?
If you’re in the market for Hawaii roofers insurance coverage, it’s a good idea to get a general sense of the types of available coverage. At a minimum, most businesses opt for two critical types of coverage: workers’ compensation and general liability.
Workers’ compensation insurance will cover you if an employee is injured on the job. Your insurance will pay for medical costs, lost wages, and other expenses related to the injury.
General liability insurance protects you from monetary damages you might be required to pay, including the following:
- Injury to a third party (a non-employee) at the job site
- Damages to a customer’s property during the course of your work
- Advertising injury, like copyright infringement or libel claims by a competitor
Even if you’re careful and do good work, mistakes can happen. It’s much better to have an insurance policy and not need it than to find yourself on the hook for legal fees and settlement costs in the event of a lawsuit or claim.
The exact type of insurance you need will also vary depending on whether you work on residential or commercial properties. Residential roofing insurance in Hawaii will usually come with lower policy limits and lower premiums.
Because there’s more potential for damage when working on commercial properties, commercial roofing insurance is typically more expensive.
Protect Your Business from Every Angle
General liability insurance and workers’ compensation insurance are critically important, but it’s also wise to choose more complete coverage options if you can. Here are some other insurance types you might consider:
- Professional Liability Insurance: This covers errors in your work
- Cyber Insurance: This covers your business in the event of a data breach
- Tool and Equipment Insurance: This pays for repairs or replacements if your work equipment or tools are lost or damaged
- Commercial Vehicle Insurance: This type of car insurance covers you if your work vehicle is involved in an accident or is damaged
With the many types of insurance available, designing a policy to suit your business may seem like a monumental task. Fortunately, our agents know both the roofing industry and the insurance industry, so they can help you find the coverage you need.
Let ACI Protect Your Company for Less
Whether you need residential or commercial roofing insurance in Hawaii, ACI can help. We understand the importance of thorough coverage, but we also know the importance of affordability.
Our expert agents can find you a custom-tailored policy for a great price. Most of our customers save 15% or more off our competitors’ prices.
Contact us today and get insured for as little as 20% down.
