Insurance for Roofers Ann Arbor MI
If you’re a roofing contractor doing business in Ann Arbor or the surrounding areas, you need the best options on Ann Arbor roofing contractors insurance.
Call 1-800-998-0662 and speak to the licensed agents of Pathway Insurance Monday through Friday 9 AM to 5 PM, or use our convenient online rate submission system by clicking on: Insurance for Roofers Ann Arbor MI.
We offer contractors insurance in Ann Arbor Michigan for the entire construction industry and throughout the entire state of Michigan.
What You Don’t Know about Roofing Contractors Insurance in Michigan Can Hurt You Financially!
In a previous article we discussed exclusions of coverage. We learned that commercial general liability insurance for roofers have terms and conditions, and exclusions of coverage.
So another words your Michigan general liability insurance policy will not cover every possible claims event.
We discussed intentional acts as one of the exclusions of coverage. A contractor named Harry ‘Hothead’ Henderson gets fed up with being micromanage by his customer, they get into a shouting match and Harry knocks the customer out and the customer sues for bodily injury.
His insurance company denies the claim because of a specific exclusion of coverage.
Additional Exclusions of Coverage in the Roofing General liability Insurance Policy.
It’s important to understand the exclusions of coverage in your Ann Arbor roofing insurance policy; otherwise you might be in for a big surprise at claims time.
Additionally you should be aware that exclusions of coverage can vary from company to company. Some of the exclusions of coverage may be very easy to understand such as the exclusion we discussed in reference to Harry ‘Hothead’ Henderson.
If you intentionally injure someone because you blow your top you can count on a claim denial from your insurance company not to mention a cancellation notice.
What happens if an employee working for your company is injured on the job?
Workers Compensation Insurance Exclusion.
If you employee individuals who are injured on the job, workers compensation insurance will provide benefit to your injured employees so therefore the roofing general liability insurance policy excludes coverage for workers compensation.
Note how this is clarified in one policy:
Workers Compensation and Similar Laws.
Any obligation of the insured under a workers compensation, disability benefits or unemployment compensation law or any similar law.
What if the worker receives a claim’s denial from workers compensation insurance? Can the employee at that point seek coverage under the employer’s general liability insurance policy?
We will consider that in the next article.
Need Roofing Contractor Insurance in Ann Arbor Michigan?
You can receive business insurance quotes seven days per week online. Click Contractors Insurance Ann Arbor Michigan to submit your information online or call Pathway at 1-800-998-0662 Monday through Friday 9 AM to 5 PM for telephone quotes.
Need roofing insurance in other areas of Michigan? Please review our list below:
- Roofing contractors insurance Saline Michigan
- Roofing contractors insurance Pittsfield Michigan
- Roofing contractors insurance Ypsilanti Charter Township Michigan
- Roofing Contractors Insurance Dearborn MI
- Augusta Charter Township Roofing Contractors Insurance
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.