Roofing Contractors Insurance Sterling Heights MI
Sterling Heights Roofing Contractors Insurance – Same Day Quotes & Coverage!
Call 1-800-998-0662 when you’re looking for great rates on roofing contractors insurance in Sterling Heights Michigan.
Online agents are available seven days per week when you click on Roofing Contractors Insurance Sterling Heights MI.
Pathway Insurance is a leading independent agency offering roofing contractors insurance in Michigan, Ohio, Indiana, Kentucky, Tennessee, Georgia, and Florida.
Pay Close Attention to the Exclusions of Coverage in Your Michigan Roofing Contractors Insurance Policy.
In our previous article we learned how insurance companies will provide legal counsel to their clients when they are sued for claim events that is covered by their general liability insurance policy.
The specific insurance clause states how this applies:
We will pay those sums that the insured becomes legally obligated to pay as damages because of “bodily injury” or “property damage” to which this insurance applies.
In this article we will consider what happens if a lawsuit is filed against a policyholder and the insurance company determines that insurance does not apply.
In a nutshell insurance companies will send policyholders something called a reservation of rights letter.
What Is a Reservation of Rights Letter?
It is the insurance company’s notification to their policyholder that a claim may be denied based on their investigation of the claim. The insurance claims department then will endeavor to investigate the merits of the claim comparing it to the exclusions of coverage and terms of conditions of the policy.
In the event of a claim denial, the insurance company has no duty to defend their policyholders from lawsuits filed in reference to the claim in which the insurance company denied.
Because insurance policies do not cover every conceivable claims event it is vital that you as the policyholder review the exclusions and terms and conditions of your insurance policy.
In our next article we will discuss common exclusions of coverage under the Michigan roofing contractors insurance policy.
Need Better Options for Roofing Contractors Insurance in Sterling Heights Michigan?
Call Pathway Insurance at 1-800-998-0662 or submit your information online to us by clicking on:
Roofing Contractors Insurance Sterling Heights MI.
Need business insurance in other areas of Michigan? Please review our list below:
- Grand Rapids Roofing Contractors Insurance
- Warren Michigan Roofing Contractors Insurance
- Sterling Heights Roofing Contractors Insurance
- Roofing Contractors Insurance Lansing Michigan
- Roofing Contractors Insurance Ann Arbor 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.