Kansas Roofing Contractors Insurance: What Type Do You Need?
In 2013, Kansas passed a state law requiring roofers to carry at least $500,000 in liability insurance. But getting insurance coverage isn’t just important for staying compliant with state law — it’s also essential for protecting your business from serious financial trouble.
If you’re just starting your business or looking to overhaul your current insurance coverage, it’s wise to consider more than just the minimum required coverage.
Kansas roofing contractors insurance extends far beyond liability coverage, and when you have complete coverage, you can rest assured that your company will be protected in the event of an accident, an injury, or damage to property or equipment. Here’s what you need to know.
Commercial Roofing Insurance in Kansas
Liability insurance is essential for mitigating the many risks of the roofing industry. When you have liability insurance, you are generally covered for several types of liability and related expenses:
- Property Damage: If you or your employees cause damage to a client’s property, your insurance will pay for repairs or replacements
- Advertising Injury: If you slander one of your competitors in an advertising campaign, your insurance will pay damages
- Third-Party Bodily Injury: If the client (or another non-employee) is injured on the job site, your insurance will pay medical costs
- Legal Costs: If you have any legal expenses (attorney fees, etc.) as the result of a claim, insurance will pay
However, to be completely covered, it’s a good idea to get insurance that extends beyond basic liability. These areas are not generally covered by general liability insurance:
- Workers’ Compensation: If an employee is injured, this insurance will cover medical costs and lost wages
- Tool and Equipment Floater: This insurance add-on covers your tools in the event of theft or damage
- Errors or Incorrect Advice: If your client suffers any damages due to errors in judgment, this insurance will pay to remedy them
Choosing what you need in a policy can be hard, but at Affordable Contractors Insurance, we can analyze your business and tell you what you need for complete protection and peace of mind.
How Do You Choose What Type(s) of Insurance You Need?
Kansas requires at least $500,000 in liability insurance, but some counties and localities require additional insurance. Make sure you check regulations before getting a policy!
Our agents only work with insurance policies for contractors, so they’re well-versed in the ins and outs of the industry. They can verify that any policy you choose is fully compliant with state and local regulations.
Let Us Help You Find the Right Kansas Roofers Insurance Coverage
Whether you’re in the market for a first policy or need to make adjustments to your current one, our knowledgeable agents at Affordable Contractors Insurance are ready to help. And don’t worry — a complete policy doesn’t have to cost a fortune! In fact, many of our clients see a 15% savings over our competitors.
If you’re ready to get started with new residential roofing insurance in Kansas, contact us for a free quote today! We can get you covered quickly and completely with as little as 20% down.
