Roofing Insurance for Fort Lauderdale Contractors
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From Fort Lauderdale Workers’ Compensation Insurance to General Liability, Commercial Auto Insurance More We Are Your Easy & Stress-Free Construction Insurance Provider In Fort Lauderdale, FL! Get Quote, Roofing Insurance Fort Lauderdale Contractors.
Business Insurance for Roofing Contractors in Fort Lauderdale, Florida
For roofing contractors in Fort Lauderdale, having proper insurance coverage is essential to protect their business from unexpected circumstances. Not having adequate insurance could lead to significant financial responsibility for negative consequences resulting from their work. It is mandatory in Florida for roofing contractors to carry certain types of insurance, such as:
- General liability insurance
- Workers’ compensation insurance
- Commercial auto insurance
- Inland marine coverage
- Commercial umbrella
Not following these requirements may lead to the loss of their roofing license. Moreover, proper insurance coverage protects their business and finances from potential problems such as theft, bodily injury, lawsuits, or equipment damage.
General Liability Insurance for Roofing Contractors in Fort Lauderdale, Florida
Roofing contractors in Florida, including those in Fort Lauderdale, are required to have general liability insurance. This policy is essential when working in the roofing industry, considering all the risks involved.
General liability insurance protects your business from legal claims related to property damage, personal injury, or other issues, including accidents that may affect clients or third parties. It is better to be prepared in case of an unexpected occurrence and avoid extra costs.
Workers’ Compensation Insurance for Roofing Contractors in Fort Lauderdale, Florida
In Florida, contractors, especially those in high-risk fields like roofing, are required by law to carry workers’ compensation insurance for their employees.
This policy provides injured employees with financial protection, medical benefits, disability benefits, help with medical bills, and covers funeral expenses and other benefits for the employee’s family in case of death.
Workers’ compensation insurance also protects employers from potential workplace injury lawsuits, making it essential for businesses with more than one employee.
Commercial Auto Insurance for Roofing Contractors in Fort Lauderdale, Florida
Commercial auto insurance is a must for Fort Lauderdale roofing businesses that use vehicles exclusively for business purposes. It covers any physical damage to business vehicles as well as any injuries to the driver or others.
Additionally, commercial auto insurance is a tax write-off for the business. This policy is required by law in Florida for all vehicles used for income-generating purposes, whether owned or leased. However, this policy does not cover tools or equipment stored in the vehicle.
Inland Marine Insurance for Roofing Contractors in Fort Lauderdale, Florida
Inland marine insurance is a policy that provides coverage for equipment, tools, and materials while in transit or storage. It includes replacement costs for theft, loss, or damage caused by covered circumstances.
Roofing contractors in Fort Lauderdale who transport expensive materials and tools should consider adding this policy to their coverage. This coverage protects businesses and finances by ensuring that belongings are covered in the event of unexpected circumstances that could result in financial loss.
Commercial Umbrella Insurance for Roofing Contractors in Fort Lauderdale, Florida
Commercial umbrella insurance provides additional protection by covering medical expenses, legal fees, and third-party property damage. It can be purchased in addition to existing policies, such as general liability or commercial auto.
This coverage protects against financial loss from liability claims or lawsuits. Keep in mind that this policy only applies when primary coverage has reached its limits.
Make Sure You’re Covered in Fort Lauderdale, Florida
As a roofing contractor in Fort Lauderdale, it’s important to follow the guidelines set by the state of Florida regarding insurance. Doing so will help maintain your roofing license and keep your company insured in an easy, fast, and affordable way.
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!
Frequently Asked Questions (FAQ)
Get answers to your most common questions from Contractors Liability
For General Liability Insurance in Fort Lauderdale, 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 Florida are $1,000,000/$2,000,000.
For Commercial Auto Insurance in Fort Lauderdale, 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 Fort Lauderdale vehicle, you need to have Comprehensive and Collision coverage. Commercial Auto Collision Insurance in Fort Lauderdale, FL covers any collision, and Comprehensive Commercial Auto Insurance covers anything but collision.
For Workers Compensation Insurance in Fort Lauderdale, 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 up to $500,000. In 99% of cases, the owner is not liable, and coverage for workers’ compensation is unlimited.
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