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Building Insurance benefits your roofing business by cushioning potential financial losses. If you are a roofer, you work in a high-risk job. For every 100,000 incidents on the job site, 24 result in fatalities. Scaffolding-collapse, slip and fall, and roof collapse are the leading causes of those incidents.

 

An estimated 2 million workdays are lost each year due to workplace injury. Injuries cause billions to be wiped out across the industry. Every business feels the effect. And your business cannot afford to take such a loss. Builder’s Risk Insurance is designed to protect a building under construction. The coverage will also protect your tools and roofing materials.

 

Let’s take a look at how Builder’s Risk protects your business, and why it’s a must-have for roofers.

 

Builder’s Risk Insurance For Roofers

 

Builder’s Risk Insurance is also known as Course of Construction or All Risk Insurance. Your policy covers many incidents on the building site, including:

 

  • Acts of vandalism
  • Theft of materials and onsite tools
  • Fires
  • Floods
  • Storms

 

Customizable Building Insurance 

 

Builder’s Risk policies are fully customizable. For instance, you work in a high-risk flood plain area. Additional coverage for extensive flood damage may be added to your policy. Building Insurance coverage can last anywhere between 12 weeks and one year, or be extended longer. Builder’s Risk protects against the things you’re held financially responsible for.

 

What’s Covered With Your All Risk Policy?

 

  1. Loss of Tools: You have a large selection of tools onsite. You secure them and leave for the day. Next day you return, and all are gone. Your Builder’s Risk policy will pay for the replacement of the tools lost.

 

  1. Replace Damaged Roofing Equipment: You’re in the middle of repairing a roof when a fire rips through the building. Insulation, roof tiles, and joists have been burnt and can’t be used. Replacing those materials can be difficult and extremely costly. Builder’s Risk Insurance will pay to replace the materials lost or damaged during the fire.

 

  1. Change of Regulations: Building laws and regulations frequently change and leave you at risk. For instance, you’re 90% through installing a roof. Suddenly, the building codes change, and your roof doesn’t comply with the latest regulations. As a result, there’s a major delay in the completion of the roof. You incur a loss. Your Builder’s Risk policy will prevent you from being left out-of-pocket.

 

A Must-Have For Roofers

When you are a roofer, accidents can be expensive. For example, you’ve erected scaffolding at the side of the building you’re working on. But, because of a minor fault on your employee’s part, it isn’t constructed properly. Two days later, it breaks away and causes several thousand dollars worth of damage to the property. You have to pay for the damage done by the scaffolding. Fortunately, it’ll be covered with your Building Insurance policy.

 

Protect Your Interests and Assets 

Building Insurance policies are extremely beneficial to roofers. Builder’s Risk covers labor costs when delays occur, helps replace stolen tools or materials and covers damage to buildings. Let Farmer Brown Insurance help you protect your roofing business. Call (888) 973-0016 to get a quote.

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