Roofing Insurance in Vermont

T.S. Peck Insurance
Roofing Insurance 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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Client Testimonials

“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!”

John S.

“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.”

Lary P.
“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.”
Dayne D.
“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!”
Scott L.
Roofing Insurance Vermont

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:

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.

Roofing Insurance Vermont

What Are Uninsured Subcontractor Endorsements?

Roofers that hire subcontractors (which are many) might be held liable for claims that are filed against a subcontractor. If a subcontractor doesn’t have their own insurance or doesn’t have enough insurance, the hiring roofer may also be sued.

Adding an uninsured subcontractor endorsement onto a policy may protect against this singular risk. An agent who’s familiar with the nuances of roofers policies will be able to assist with setting up this endorsement.

What Are Bonds for Roofers?

Bonds may be used to provide financial compensation if a roofer doesn’t complete their work as promised, especially if the work is delayed or left uncompleted.

Some commercial customers will only hire roofers that are bonded, and a few municipalities require roofers to carry minimum bonds. When bonds are needed, they can usually be acquired from an insurance company and with the aid of an agent.

How Much Are Roofers Policies?

Premiums for roofers policies are based in part on a roofer’s location, area served, scope of work and bond needs. Because so many factors affect premiums, the costs of policies vary.

An independent agent, who’s not obligated to promote any one insurance company, can help roofers get quotes that are customized to their needs. Comparing customized quotes is the simplest and fastest way to find out how much policies will cost in a particular situation.

How Can Roofers in Vermont Get Roofing Insurance?

For help insuring a roofing business that operates in Vermont, contact the independent insurance agents at T.S. Peck Insurance. Our agents will assist with assessing your business’ coverage needs, and then we’ll find an affordable roofing insurance policy that meets those needs.

Get in touch with our team!

T.S. Peck Insurance

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