Workers’ Compensation Insurance for Roofing Contractors
As a roofer, you need roofing insurance. As far as dangerous jobs go, roofers are pretty high on the list (literally). You work multiple stories off the ground, the surfaces you work on are not always level, and you rely on ladders and scaffolding to get yourself where you need to be.
Not only are these conditions dangerous, but, coupled with weather, working as a roofer can seem like seriously risky business. If an accident happens on the job, causing injury to you or an employee, workers’ compensation can help you in several ways.
What is roofing workers’ comp?
Workers’ compensation insurance protects an individual and/or their employees in the event of a work-related illness or injury. Without workers’ compensation, if you get injured on the job, handling the medical expenses would come straight out of your pocket. With workers’ comp coverage, those medical costs are taken care of.
What are the benefits of workers’ compensation for roofing contractors?
If you fall off of a ladder, injure yourself with a sharp tool, or suffer a loss from a faulty harness, workers’ compensation insurance will cover the medical bills associated with the incident.
If you are injured to the point of being unable to return to work, workers’ compensation will cover some of your lost wages — replacing a portion of your income until you’re able to return to your duties.
Need help getting back on your feet? Many insurance providers have back to work programs, offering tools and resources to help roofers feel better and get back to work faster.
In the event you are injured so severely that you are unable to return to work, you may also be eligible for long term-benefits.
Am I required to have roofing workers’ comp?
That depends. If you have employees, most states require you to have a workers’ comp policy. Even if you aren’t required by law, many general contractors or homeowners require those working for them to provide a Certificate of Insurance.
Hiring parties require roofers to show proof of coverage so that the liability is taken off of them. By having your own policy, you are responsible for the risk, alleviating general contractors and homeowners from the risks associated with the worker they are hiring.
How much does workers’ compensation cost?
There are several factors that determine the cost of a workers’ comp policy, including where you live, what you do, how many employees you have, and your insurance history.
Check out our detailed workers’ comp cost analysis to find out the price of workers’ comp.
How can I get extra coverage?
You can easily purchase accident coverage.
Accident policies cover an array of expenses, including:
- Out of pocket medical costs
- Deductibles and copayments on your medical insurance
- Monthly expenses, like mortgage or rent, car payments, utility bills, and more
- Basic needs like childcare, transportation, groceries, and home maintenance
- Hospital admission
- ICU admission
- Emergency room
- Initial doctor’s office visit
- Urgent care
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