Coverages

What dose this insurance stuff really cover?

Workers Compesation Ins.

This coverage provides your employee with medical coverage for a work related injury. It provides for lost time.
It is also required. The only way to opt out of workers compensation is not to have any employees. So might at well get it for the best price as possible because lets face it, roofer rates are not the cheapest ones out there.

General Liability Ins.

This is coverage to protects you from several different pearls. The coverage's provided under the General Liability policy

Occurrence -Form
Personal and Advertising Injury
Products and Completed Opperations
Medical Expense

Now this doesn't cover your professional liability or Faulty workman ship.
Read the policy for full list of exclusions.

Other Common Coverage's for Roofers

Commercial Auto

Commercial Auto
This coverage provides coverage for you Vehicles that you use for work. This is where you would also pick up coverage for if your employees were using their vehicles to pick up supplies or do any other work related task.

Bonds

We usually see two types of bonds for roofers.
Standard License Bond and Performance and Payment Bond.
The License Bond is just the bond the state makes you get to maintain your license.
The Performance and Payment bond are typically required on Government or institutional projects.

Inland Marine

Inland Marine insurance is for your equipment coverage. This is will also cover tools. Anything equipment that is not attached to your vehicle and that is away from your location.

Apperson Insurance Service is a full service agency. We handle a host of other industries not just construction. If you have a need or an insurance question feel free to give us a call. We will try to help you with what ever your insurance need is. (916)-459-2299