Workers Compensation Insurance Roofers
If you’re looking for workers compensation insurance for roofers contact Pathway Insurance at 1-800-998-0662.
Roofing workers compensation insurance is available in many states throughout the United States directly with our company or through our agency referral network.
You should be aware that workers compensation insurance in some states must be purchased directly with the state and may not be available through an insurance broker.
Why You May Be Required to Purchase Roofing Workers Compensation Insurance?
In most cases it’s a requirement of state law. Why are such laws in place? The workplace is a very commonplace where employees can be injured.
The Roofers Workers Compensation and Employers Liability Insurance Policy is used to provide insurance coverage for a company’s statutory liability (coverage responsibility) under a Workers Compensation Act.
It usually involves paying for medical treatment and disability because of accidental injury that occurs during work with mandatory benefits provided to the injured employee. It may also handles lawsuits from injured workers that fall outside of the Acts.
The workers compensation insurance policy may also covers costs associated with disease or death that may be the ultimate result of the accident. If the employee’s injury does not qualify for compensation under the Workers Compensation Acts (or Occupational Disease Acts, if separate) the policy may provide defense to an employer who is sued by his employee, alleging negligence.
Don’t Avoid Purchasing Roofing Workers Compensation Insurance!
Some roofing companies, to avoid paying for expensive workers compensation insurance, have taken the step to make all of their employees independent contractors.
Taking this step when your workers are really employees can lead to adverse consequences to your business.
The rule of thumb for whether or not the individual is an employee or a subcontractor is based on if you control the timing of when they complete roofing jobs.
If you require subcontractors to be on the job site at a certain time and day they may later be classified as employees despite you issuing 1099s.
This can lead to all sorts of financial trouble for your company. It’s best to set up everything correctly from the beginning so as to avoid costly issues down the road.
Call Us First when you need Worker’s Compensation Insurance for Roofers.
If your business is located in a state where it is allowable for insurance companies to offer workers compensation insurance call us at 1-800-998-0662.
Our licensed agents can help you find coverage to comply with state law at the same time protecting your businesses financial assets.
General LiabilityThe Commercial General Liability Policy typically extends coverage for property damage, bodily injury, personal and advertising injury and medical payments as long as it is not excluded in the liability section of the general liability insurance policy that you purchase.
Choosing the correct amount of coverage is important to protect yourself or your company financially.Call us at 800-998-0662 to discuss your business insurance needs.
Commercial AutoIn addition to general liability insurance you may also need to purchase commercial auto insurance for your work vehicles.
Property damage or injuries caused with vehicles used in your business and insured under a personal auto insurance policy could be denied by your personal car insurance company.
Call us at 800-998-0662 to see if you might be eligible for an artisan insurance policy.
Tool CoverageDid you know that your tools, equipment, and supplies are not covered by your general liability or commercial auto policy?
Example: $2,000 of tools are taken from your truck and a claim is submitted to both policies...your company will not cover the claim!
You need to add coverage for tools, equipment, and supplies to your policy for coverage to extend.
Call us at 800-998-0662 to learn how your tools and equipment may be covered.
Workers’ Comp.Workers compensation insurance is likely the law for the state in which you do business.
In some cases we can obtain Workers compensation insurance for roofers.
Call us at 800-998-0662 to learn if workers compensation for roofers is available in your state with our company. Workers comp is not available in the state of Ohio.