Roofing Contractor Insurance Lansing Michigan
Low Rates and Same Day and Coverage for Roofing Insurance in Lansing Michigan.
If you are a roofing contractor looking for good rates and coverage for your business insurance call Pathway Insurance at 1-800-998-0662.
We offer insurance protection for large and small construction firms in Michigan specializing in roofing.
Online licensed agents are available seven days per week when you click Roofing Contractor Insurance Lansing Michigan to submit your information online.
Exclusions in the Michigan Roofing Contractors Insurance Policy.
Commercial general liability insurance policies do not provide or extend coverage for every possible claims event. It is important for you to become familiar with the terms and conditions of your insurance policy so that you can avoid exclusions of coverage.
In this article we will discuss exclusions of coverage that are common in Lansing Michigan Roofing Contractors Insurance Policies. Let’s review one such exclusion with one particular company in the policy insuring agreement.
This insurance does not apply to:
Expected or Intended Injury
“Bodily injury” or “property damage” expected or intended from the standpoint of the insured.
This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property.
Example: Harry ‘Hothead’ Henderson owns Black and Blue Roofing Contractors and he was hired by Pete ‘perfectionist’ Stillwell to replace his roof due to severe damage from a recent hailstorm.
Pete is a mid-level manager for a local manufacturing company and he loves to micromanage people to make sure they’re doing their job correctly. Pete decides to ‘supervise’ Harry and his crew of eight workers.
Harry is the exact opposite of Pete, he knows what he’s doing and he hates to be micromanage, yet that’s exactly what Pete is doing to Harry all day long.
Harry finally has had enough and gets into a very heated confrontation with Pete, both men are yelling back and forth at each other and Harry blows his stack and lands a haymaker on Pete knocking him out cold.
When Pete wakes up a few minutes later he calls 911 and presses charges against Harry who was promptly arrested. Pete seeks medical attention and files a lawsuit against Harry for $1000 in medical bills and $25,000 in punitive damages.
Harry turns a claim into his insurance company for the lawsuit and 10 days later Harry receives a certified letter and a claim denial from his insurance company citing the exclusion called expected or intended injury.
In our next article we will discuss the next common exclusion in the general liability insurance policy.
Need Roofing Contractor Insurance in Lansing Michigan?
Call the licensed agents of Pathway Insurance Services Inc. by dialing 1-800-998-0662 or click on Lansing MI Roofing Contractors Insurance to submit your information online to our licensed agents who are available seven days per week.
Need roofing insurance in other areas of Michigan? Please review our list below:
- Canton Michigan Roofing Contractors Insurance
- Westland Michigan Roofing Contractors Insurance
- Troy Michigan Roofing Contractors Insurance
- Roofing Contractors Insurance Farmington Hills Michigan
- Roofing Contractors Insurance Macomb Michigan
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.