Roofing Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Roofing insurance is a specialized type of commercial insurance specifically for roofing contractors. Policies typically protect roofers from a range of liability and property risks.

In some cases, roofing contractors might find that certain jobs are only available if there’s insurance in place. Large commercial customers, and a few homeowners, may only hire roofers who are insured.

Commercial Property Coverage
Inland Marine Coverage
Loss of Income Coverage

What is roofing insurance?

The work that roofers do comes with inherent risks, ranging from injuries to burglaries. Roofing insurance may help protect roof contractors in Massachusetts against a host of risks.

Roofing insurance is a specialized type of commercial insurance specifically for roofing contractors. Policies typically protect roofers from a range of liability and property risks.

What Massachusetts businesses does roofers insurance make sense for?

Most roofing contractors in Massachusetts should have roofers insurance. Policies are purchased by commercial roofers, residential roofers, and specialists doing metal, slate or tile roofs.

TESTIMONIALS

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When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

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Lynnfield, MA
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Kelly Ilebode

Boston, MA

What insurance coverages are available through roofers policies?

Roofers policies can provide a range of protections. Some coverages that a policy might come with are:

Commercial Property Coverage: May cover any facility a roofing contractor owns, and equipment, tools and materials at the facility.
Inland Marine Coverage: May cover equipment, tools and materials during transit to and from job sites.
Loss of Income Coverage: May cover certain periods of lost revenue following a covered event that prevents a roofer from working.
Commercial Vehicle Coverage: May cover any commercial vans or trucks that a roofing contractor owns.
General Liability Coverage: May cover commonplace accidents that cause property damage or customer injury.
Professional Liability Coverage: May cover improper installation that causes property damage or injury.
Product Liability Coverage: May cover issues with faulty shingles that cause property damage or injury.
Umbrella Liability Coverage: May cover large lawsuits that exceed the limits of an underlying liability coverage.

What’s an uninsured subcontractor endorsement?

Roofers who work with subcontractors may want roofers insurance that has a subcontractor endorsement option.

An endorsement typically adds on specific coverage. In the case of a subcontractor endorsement, the endorsement may provide protection if the roofer is sued because of something a subcontractor does.

If a subcontractor endorsement is needed, this is something that an insurance agent specializing in roofers insurance can assist with.

Do roofing contractors need to get bonds?

Bonds are sometimes used to ensure the customer is compensated if a contractor fails to complete work as promised. If a project isn’t completed, the bond may pay the customer for incurred costs as a result. A few bonds instead guarantee that workers will be paid.

Larger customers, such as businesses and governments, might require a bond before granting a job. Bonds usually aren’t obtained for work on single-family homes.

If a bond is needed, an insurance agent who knows roofers insurance should be able to check how much a bond will cost. Roofers can then include this in the price that they quote the customer.

Do roofing contractors need to get workers compensation?

Workers compensation is a coverage that normally protects against workplace injury, and it’s generally required by Massachusetts law if a business has employees.

Since most roofers have employees, this is a coverage that roofing contractors often need. It might be purchased as part of a roofing policy, or as a separate policy that’s in addition to a roofing policy.

How much do roofers pay for insurance?

The premiums that roofers pay for their insurance policies vary, as details like location, service area, type of roofing work, and whether bonds are needed all can impact cost. In general, however, coverage tends to be affordable. It’s almost certainly less than what a major claim could be if no protection is in place.

An independent insurance agent can help roofers see how much coverage would be. Independent agents aren’t connected to any single insurance company, so they can show roofers whichever company’s policy offers the best combination of protection and price.

Where can roofers get roofing insurance?

If you need help finding roofing insurance, contact the independent insurance agents at Paul T. Murphy Insurance. Our Massachusetts insurance agents will work closely with you, to find an insurance policy that’ll protect your business well.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.