General Liability Insurance for Roofing Contractors
Roofing Contractors General Liability Insurance.
If you’re searching for general liability insurance for roofing contractors then 1-800-998-0662 may be the best number to call Monday through Friday 9 AM to 5 PM (EST). You can also click on liability insurance for roofers to receive online quotes seven days per week from licensed agents.
What Is General Liability Insurance for Roofing Contractors and Why Do You Need It?
Please note the coverage definition from one insurance carrier:
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. We will have the right and duty to defend the insured against any “suit” seeking those damages.
However, we will have no duty to defend the insured against any “suit” seeking damages for “bodily injury” or “property damage” to which this insurance does not apply. We may, at our discretion, investigate any “occurrence” and settle any claim or “suit” that may result. But: (1) The amount we will pay for damages is limited as described in Section III – Limits Of Insurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C.
No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under supplementary Payments – Coverages A and B.
So the roofing general liability insurance policy provides coverage for damage or injuries that you or employees may cause while offering roofing services to customers or third parties for residential or commercial exposures.
There are additional conditions for coverage to apply such as:
This insurance applies to “bodily injury” and “property damage” only if: (1) The “bodily injury” or “property damage” is caused by an “occurrence” that takes place in the “coverage territory”; (2) The “bodily injury” or “property damage” occurs during the policy period; and (3) Prior to the policy period, no insured listed under Paragraph 1. of Section II – Who Is An Insured and no “employee” authorized by you to give or receive notice of an “occurrence” or claim, knew that the “bodily injury” or “property damage” had occurred, in whole or in part. If such a listed insured or authorized “employee” knew, prior to the policy period, that the “bodily injury” or “property damage” occurred, then any continuation, change or resumption of such “bodily injury” or “property damage” during or after the policy period will be deemed to have been known prior to the policy period.
Bodily Injury Claims Example: The mailman steps on a roofing nail that one of your employees did not pick up after completing a job and the mailman’s foot becomes infected and he misses three weeks of work due to the infection.
Property Damage Claims Example: You accidentally drop a pallet of shingles on your customer’s car as he pulls into his driveway causing $1900 in damages.
Naturally there are a number of different scenarios that can apply for property damage or injury claims to be covered by the general liability insurance policy for roofing contractors.
It’s also important to take into consideration all of the terms and conditions and exclusions of coverage so read your policy carefully.
General Liability Insurance for Roofing Contractors – One Call or Click Away!
Call us when you need commercial insurance for roofers at 1-800-998-0662 or use our online system to request roofing insurance quotes 7 days per week.
Click commercial insurance for roofers for online price quotes. Licensed agents are available 7 days per week online.