Roofing Insurance for Ohio Contractors
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From Ohio Workers’ Compensation Insurance to General Casualty, Commercial Auto Insurance, and more, we are your simple & hassle-free roofing insurance provider in the state of Ohio!
Business Roofing Insurance for Contractors in Ohio
In Ohio, there are several insurance policies that a roofer should consider, including general liability insurance, workers’ compensation insurance, and commercial auto insurance. General liability insurance can protect your business from claims of bodily injury, property damage, and advertising injury caused by your operations, products, or services. Workers’ compensation insurance can cover medical expenses and lost wages for employees who are injured on the job. And commercial auto insurance can protect your company vehicles in the event of an accident.
If you want to get the best coverage now, from the best carriers and at the lowest price, call us at (866) 225-1950 or click for a free quote. We can assist you and answer all your questions 24/7!
General Liability Insurance for Roofing Contractors in Ohio
General liability insurance is a fundamental policy that covers roofing contractors in Ohio against bodily injury, property damage, and advertising injury caused by their operations, products, or services. This coverage can help roofing businesses defend themselves against expensive lawsuits and claims, including legal fees, settlements, and judgments. General liability insurance is often required by law for Ohio roofing contractors to obtain a license and bid on construction projects.
The cost of general liability insurance for Ohio roofing contractors can vary depending on various factors such as the size of the business, the number of employees, the location of the business, and the level of coverage required. Approximately, insurance cost for general liability insurance for roofing contractors in Ohio can range from $500 to $1,500 per year.
Workers’ Compensation Insurance for Roofing Contractors in Ohio
Workers’ Compensation Insurance is essential for roofing contractors in Ohio, as it protects both employees and employers in the event of a workplace injury or illness. This type of insurance covers all medical bills and expenses, lost wages, and rehabilitation costs for employees who are injured on the job.
The cost of workers’ compensation insurance for roofers in Ohio can vary depending on factors such as the size of the roofers’ insurance business, the number of employees, and the type of roofing work being done. Broadly, the cost of workers’ compensation insurance for a roofing contractor in Ohio can range from $1,500 to $10,000 per year. It is important to note that rates may vary depending on the specific insurance company and the level of coverage needed.
Ohio’s Bureau of Workers’ Compensation (BWC) is the state agency responsible for administering workers’ compensation insurance. The BWC provides resources for roofing contractors to help them understand the requirements for workers’ compensation insurance, and to assist them in finding the right coverage for their business. The BWC also offers programs and incentives to help employers reduce workplace injuries and lower their insurance premiums.
Commercial Auto Insurance for Roofing Contractors in Ohio
Commercial Auto Insurance is a crucial type of coverage for roofing contractors in Ohio, especially for those who rely on their vehicles to transport equipment, materials, and workers to job sites. This insurance policy can protect against damages or injuries caused by an accident involving a company-owned or leased vehicle.
The cost of this coverage may vary depending on several factors, such as the number of vehicles insured, the type of vehicle, and the driving record of the insured driver. On average, roofers in Ohio can expect to pay between $1,000 to $3,000 per vehicle per year for commercial auto insurance.
When choosing a commercial auto insurance policy in Ohio, roofing contractors should consider the coverage limits and deductibles offered by different insurance providers. They should also make sure that the policy includes coverage for bodily injury, property damage, and collision or comprehensive damage.
Builder’s Risk Insurance for Roofing Contractors in Ohio
For roofing contractors in Ohio working on new construction projects or significant renovations, Builder’s Risk Insurance is a basic form of coverage. This insurance policy protects the materials, supplies, tools, and equipment that are being used on the job site. It can also cover damages or losses that occur due to events such as theft, vandalism, fire, or severe weather.
The following chart provides a breakdown of the typical coverage provided by Builder’s Risk Insurance for roofing contractors in Ohio, as well as the associated costs:
| Coverage Type | Typical Coverage |
|---|---|
| Property Damage | $1,000,000 |
| Theft and Vandalism | $500,000 |
| Business Interruption | $250,000 |
| Equipment and Supplies | $100,000 |
By investing in Builder’s Risk Insurance, roofing contractors in Ohio can care for their businesses from unexpected financial losses that may occur during construction projects. It is important to work with a reputable contractor insurance provider who can offer comprehensive coverage that meets the unique needs of the roofing business.
Inland Marine Insurance for Roofing Contractors in Ohio
Inland Marine Insurance is an essential type of coverage for roofing contractors in Ohio who frequently transport their equipment and materials to different job sites. Unlike commercial auto insurance, inland marine insurance is specifically designed to protect property that is in transit or temporarily stored in a location other than the contractor’s primary business address.
Roofers in Ohio should carefully consider the amount of inland marine insurance they need, based on the value of their equipment and materials, the frequency of transport and storage, and the potential risks involved in their business operations. In general, inland marine insurance is offered as a stand-alone policy or as an endorsement of a commercial property insurance policy. The cost of this coverage can vary based on several factors such as the type of equipment being insured, the coverage limits selected, and the contractor’s claims history.
Commercial Umbrella Insurance for Roofing Contractors in Ohio
Commercial Umbrella Insurance is an additional type of coverage that can provide extra liability protection for roofing contractors in Ohio. This policy can supplement the coverage limits of other insurance policies, such as commercial general liability insurance and commercial auto insurance, in case of a large claim or lawsuit.
The cost of commercial umbrella insurance may vary depending on the coverage limits and the specific risks associated with the roofing or general contractor’s operations. Generally, Ohio roofers can expect to pay $500 to $2,000 annually for commercial umbrella insurance.
This policy can help cover the costs of:
- Legal fees
- Settlements
- Judgments in case of a large liability claim.
When selecting a commercial umbrella insurance policy in Ohio, roofing contractors should consider their specific needs and risks and the coverage limits and deductibles offered by different insurance providers. By having commercial umbrella insurance, roofers in Ohio can look after their business assets, cover medical bills and reduce their financial risks in case of a major liability claim.
ACORD Certificates for Roofing Contractors in Ohio
ACORD certificates are essential documents for roofing contractors in Ohio to demonstrate that they have the necessary insurance coverage for their business operations. These certificates are issued by insurance providers and provide proof of insurance for a specific job or project. In Ohio, the cost of ACORD certificates may vary depending on the insurance provider and the number of certificates needed. On average, roofers can expect to pay between $50 to $150 per certificate.
Roofing contractors in Ohio can obtain ACORD certificates from their insurance providers by requesting them when they purchase or renew their insurance policies. It is essential to review the certificates carefully to ensure they include all the necessary information, such as the type of coverage, policy limits, and effective dates. By obtaining and maintaining ACORD certificates, roofing contractors in Ohio can protect their business, clients, and reputation in the industry.
Your Ohio Contractors Insurance for Roofers Questions Answered
Get answers to your most common questions from Contractors Liability
For General Liability Insurance in Ohio, you need $1,000,000 per occurrence and $2,000,000 aggregate almost 100% of the time. 99% of all General Liability policies we sell in Ohio are $1,000,000/$2,000,000.
For Commercial Auto Insurance in Ohio, you need $1,000,000 CSL meaning $1,000,000 Combined Single Limit for Bodily Injury and Property Damage to the other party combined. To protect your car, you need to have Comprehensive and collision coverage. Commercial Auto Collision Insurance in Ohio covers any collision and Comprehensive Commercial Auto Insurance covers anything but collision.
For Workers’ Compensation Insurance in Ohio, you need $500,000/$500,000/$500,000 in general. This covers your workers in the event of a claim where the owner is liable for up to $500,000. In 99% of cases, the owner is not liable and coverage for workers compensation is unlimited.
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