Roofing Insurance in Vermont
What is Roofing Insurance?
Operating a roofing business requires significant investments of finances and time, and those investments ought to be protected whenever possible. Purchasing roofing insurance can be an important part of protecting a Vermont roofing business and all that’s been put into it.
Roofing insurance is specialized commercial insurance for roofers. Most of these policies have multiple coverages within them, which allows the policies to protect against a range of protections. Roofers can choose precisely what coverages their policy has, in most cases.
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“I just wanted to take a moment to let you know how great I think Caroline Collins is. – Every time I call to update my policy(and I have updated it a lot over the years) Caroline has been nothing but amazing to deal with. She takes care of all my needs in real time which is amazing. She is very personable, always respectful, extremely knowledgeable, and just all around awesome to deal with. I truly enjoy dealing with her and think she is a huge asset to your business from where I sit.”
“Friendly and prompt – I have been with T.S Peck for many years and have no complaints with their trusted service. They have always taken a friendly approach to their craft and are always willing to answer all of my questions!”
“We Contacted T.S Peck Insurance to inquire about auto insurance/ After with with Jake, we explored combining our auto and home insurance, in turn realizing a big savings.”
“When I called for a quote, my agent was personable and helpful. He always got back to me quickly with answers, which is extremely important. The entire process was handled in a timely manner and was able to meet my expectations and beyond.”
“Jake Hynes and the folks at T.S. Peck have been awesome to work with! As a recent start-up, we were new to the “buying business insurance” scene. One phone call and all our concerns were laid to rest. The service has been great and the prices are very competitive. We recently price shopped again and found we were still in the best hands!”
What Vermont Businesses Should Carry Roofers Insurance?
Most Vermont businesses that install and/or repair roofs ought to carry roofers insurance. This generally includes businesses such as the following:
- Commercial roofers
- Residential roofers
- Specialty metal roofers
- Specialty slate roofers
- Specialty tile roofers
Sometimes businesses that aren’t properly insured will be turned away from certain jobs. A few homeowners will only hire properly insured contractors (including roofers), and many commercial customers have the same stipulation.
What Coverages Are Offered by Roofers Insurance Policies?
While any given roofers insurance policy could offer a different set of protections, most policies provide several common coverages. These may include:
- Commercial Property Coverage, which could cover owned buildings, equipment or supplies
- Inland Marine Coverage, which could cover equipment and supplies as they’re taken to/from job sites
- Loss of Income Coverage, which could cover some sustained periods of lost revenue that follow a disaster
- Commercial Vehicle Coverage, which could cover roofer-owned vans, trucks and other vehicles
- General Liability Coverage, which could cover common accidents resulting in property damage or customer injury
- Professional Liability Coverage, which could cover improper installation resulting in property damage or injury
- Product Liability Coverage, which could cover faulty shingles resulting in property damage or injury
- Umbrella Liability Coverage, which could cover large lawsuits that exhaust underlying coverage limits
Policies may also offer builders risk coverage, employment practices liability coverage or other protections. An insurance agent who specializes in roofers insurance can explain all of the coverages that are available.
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For questions or concerns, please contact our independent insurance agents.
Office: 41 IDX Drive, Suite 135
South Burlington, VT 05403
Office: 158 Lake St,
St Albans, VT 05478