Running a roofing business in Idaho is no walk in the park—or on the roof, for that matter. With great heights come great responsibilities, including ensuring you have the right Roofing Contractor Insurance to protect your business.

From property damage to workplace injuries, having the proper insurance coverage can mean the difference between a thriving business and a financial disaster. So, let’s strap on our tool belts and dive into the essential types of insurance for Idaho contractors.

General Liability Insurance

General Liability Insurance for roofing contractors protects against claims related to third-party bodily injuries and property damage. For instance, if a client trips over a tool and requires medical treatment or if an installation mistake leads to interior damage at a customer’s home, this insurance safeguards contractors from the financial strain of legal fees and settlements.

Real-World Scenario

Imagine during a roofing job, one of your crew members accidentally steps on a weak spot and their foot breaks through the roof into the attic below. This accident caused significant damage to the roof and belongings stored in the attic. The homeowner files a claim for the repair of the roof and the replacement of their damaged items. Without general liability insurance, you could be facing substantial out-of-pocket expenses for these repairs and replacements, potentially putting your business at risk. This is why adequate insurance is crucial, as it covers the costs arising from such mishaps and prevents such financial strain on your business.

Considering Your Coverage Limits

Given the high-risk nature of roofing work, understanding and choosing the right coverage limits is critical. Idaho contractors, for instance, should evaluate their specific business risks to determine the adequate limit that meets their needs, ensuring they are fully protected against potential claims.

Understanding the Costs

The cost of general liability insurance can vary based on factors such as the size of your business, claims history, and the level of coverage required. While the expense is a consideration, investing in a robust general liability policy is a key factor in keeping your business secure—much like how a well-maintained roof protects a home during a storm.

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Commercial Auto Insurance

A roofing contractor in Idaho is nothing without a reliable work truck. Whether hauling roofing product, transporting equipment, or just getting from job site to job site, a commercial auto insurance policy is a must-have. Unlike personal auto insurance, commercial auto insurance provides additional liability protection for work-related accidents, ensuring that damages, medical expenses, and legal fees are covered.

Let’s say one of your employees rear-ends another driver while delivering materials. Without commercial auto insurance, your business could be stuck paying out-of-pocket for repairs, medical bills, and potential lawsuits. Commercial auto insurance for Idaho roofers protects your business vehicles and helps cover costs in the event of a claim.

Inland Marine Insurance

No, inland marine is not boat insurance for the neighborhood reservoir. Instead, this coverage is essential for protecting tools, equipment, and materials in transit or stored off-site. Roofing contractors, for example, rely heavily on expensive gear such as ladders, nail guns, and generators. Theft, loss, or damage to these valuable assets could significantly disrupt your business operations.

Consider this scenario: You leave your equipment in a secured trailer at a job site overnight, only to discover it’s gone the next morning. Without inland marine insurance, replacing these tools would heavily impact your budget. However, with the appropriate coverage, you can quickly resume work without worrying about financial setbacks.

Workers’ Compensation Insurance

Roofing is a tough gig, and let’s face it—falls, cuts, and other workplace injuries happen. That’s why roofing contractors’ workers’ compensation insurance is not just a good idea; it’s required for construction businesses with one or more employees in Idaho. Workers’ comp helps cover injured employees’ medical expenses, lost wages, and rehabilitation costs.

Imagine one of your workers falls off a rooftop and suffers a serious back injury. Without workers’ compensation insurance, you could face medical bills, lost income claims, and lawsuits. Workers’ compensation insurance provides coverage for these situations, protecting both your workers and your business.

Excess Liability Insurance for Roofers

While general liability and commercial auto insurance provide essential protection, there are times when claims exceed policy limits. That’s where excess liability coverage comes in. Think of it as a safety net, adding an extra layer of financial security in case a major lawsuit or accident pushes costs beyond standard coverage.

Areas We Cover

We serve roofing contractors throughout Idaho, including major cities such as Boise, Coeur d’Alene, Idaho Falls, Twin Falls, Nampa, Pocatello, Meridian, Caldwell, Lewiston, Rexburg, Post Falls, and their surrounding areas.

How to Get a Cheap Quote & Same-Day Certificate

Need coverage fast? Fairbanks Insurance Brokers makes securing an affordable roofing insurance policy with a same-day certificate quick and hassle-free. With competitive rates and instant proof of coverage, you can focus on the job without unnecessary delays.

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Conclusion

If you’re a roofing contractor in Idaho, having the right insurance coverage isn’t optional—it’s essential. From general liability insurance to workers’ compensation insurance, each policy plays a separate role in protecting your business from financial loss and legal headaches.

So, before you climb that next roof, speak with an experienced and reputable insurance agent at Fairbanks Insurance Brokers. Contractors’ insurance is all we do!

Fairbanks Insurance Brokers — The Ultimate Source for Discount Roofing Contractors Insurance in Idaho!