work up high needs the right policy
Roofing contractor insurance in Florida
Roofing means work at heights and weather you can’t control. I’m Chris, and I can help you sort out your options.
FL License #G193830
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The basics
Damage to the customer’s property
General liability covers injury or damage you cause to others. A dropped bundle that dents a car or a tarp that fails over an open roof are examples to ask about.
Falls and crew injuries
Work at heights is the big one. Workers’ comp is what to ask about when an employee is hurt on a roof or a ladder.
Equipment and materials
Ask me about coverage for nail guns, ladders and stacked materials.
Proof before you start
Homeowners associations, builders and property managers often want a certificate. I can help you ask for one.
What can go wrong on a roofing job
Here’s what I’d ask about.
- A shower rolls in while the roof is open and water gets into the attic and ceiling below. Ask about general liability.
- Shingles or tools fall from the roof and hit a customer’s car or a passerby. That’s a general liability question.
- A crew member slips on the roof or falls off a ladder. Ask me about workers’ compensation.
- Your trailer with nail guns and tear-off tools is stolen. Ask about tools and equipment coverage.
- A customer finds a leak after you leave and says your work caused it. General liability is where I’d start.
Coverage to ask me about
Roofing is a construction trade. In Florida, construction businesses generally need workers’ comp once they have one or more employees, and other businesses generally need it at four or more employees. The Florida Division of Workers’ Compensation has the official rules.
- General liability. This responds to injury or damage you cause to others, including damage to a home you’re working on.
- Workers’ compensation. This is for employees hurt on the job, and companies look hard at roofing payroll.
- Tools and equipment. Ask what can be covered for ladders, nail guns, compressors and materials stored on site.
- Commercial auto. If you drive trucks or trailers to roofs, ask me about it.
What I’ll ask you
Honest details help most.
- The kind of roofing you do, such as shingle, tile, metal or repairs
- Your yearly revenue
- Payroll and how many employees work on roofs
- Whether you use subcontractors or day labor
- Prior claims
- What a customer or contract is asking for
- Your deadline
Questions I get
Can I get a certificate of insurance for a roofing job?
That’s usually possible once coverage is in place. What shows on it depends on the company and the policy.
Do I need workers’ comp for my roofing crew?
Roofing is a construction trade, so the rules for construction may apply. The state’s workers’ comp division has the official rules.
Are my ladders and nail guns covered?
General liability doesn’t pay for your own equipment. A tools and equipment coverage may, depending on the company and the policy.
What about roofers I hire as subcontractors?
It depends on the company and the policy. Companies often want proof that subs have their own coverage.
Official sources
Coverage, eligibility and price depend on the company and your business. This page is general information, not a quote.
Have a question? Just ask.
Call me or send a quote request. You’ll hear back from a real person.