Montana Roofers Insurance Coverage
If you’ve been in the roofing business for a long time and always hire experienced employees, you might think on-the-job accidents won’t happen to you. The truth is that the roofing business itself is dangerous, and even the most cautious contractor may suffer an injury or unwittingly injure a third party.
When you have insurance, you can enjoy peace of mind knowing that the costs associated with these incidents will be covered. However, many contractors aren’t sure how to go about finding the best policy for them.
At Affordable Contractors Insurance, we can save you time and worry by finding quality Montana roofing contractors insurance policies for less.
Why Is Roofers Insurance Important?
You shouldn’t write off Montana roofers insurance coverage as just another business expense. The right insurance coverage can mean the difference between having all expenses completely covered and having to pay for a hefty settlement or legal fees out of pocket.
Here are just a few ways that contractors insurance can help you:
- If your building materials are damaged during transit, insurance can pay to replace them
- If you accidentally injure a third party, general liability insurance will cover legal fees and settlement costs
- If your tools or equipment become damaged, tools and equipment insurance will pay to repair or replace them
- If an employee is injured on the job, workers’ compensation insurance will cover medical bills and lost income
If a customer or other third party files a lawsuit or claim against your company, the legal fees alone can be financially crippling, as can the cost of any settlement you’re ordered to pay.
In some cases, having insurance may mean the difference between keeping your company and going bankrupt.
What Types of Insurance Should You Choose?
There are so many types of insurance available that it can be a challenge to pick which ones you need. But if you’re thinking about what you need in a policy, start with the basics: general liability insurance and workers’ compensation insurance.
If you primarily do residential roofing insurance in Montana, you may have already discovered that many homeowners won’t hire you if you can’t prove that you have general liability insurance.
Commercial property owners also tend to have strict requirements for the types of insurance you need to carry and the minimum policy limit you need to have.
Workers’ compensation insurance is essential for protecting the health of your employees. This type of insurance will pay for medical care if one of your employees gets hurt on the job or becomes ill as a result of their job. In some cases, it also pays cash to make up for lost wages.
Of course, there are many other types of insurance (like tools and equipment insurance or commercial auto insurance) that can fully protect your company. At ACI, our capable agents can help you select the ones you need.
Let ACI Help You Discover the Perfect Policy
If you’re looking for residential or commercial roofing insurance in Montana, figuring out the exact types of coverage you need can pose a challenge.
Fortunately, our agents are knowledgeable about both roofing and insurance. As a result, they can take a close look at your business and then recommend a policy.
If you’re ready to find peace of mind through quality insurance, contact us for a free quote today.
