Royal Roofing Company carries full WORKER’S COMPENSATION INSURANCE for our own In-House employee ROOFERS. (No day or street labor. No labor pool).
We carry 2M LIABILITY INSURANCE in Occurrence format (not just claims made at install). This costs more but provides better protection for Clients & Royal Roofing in case of a claim after the time of install. This is a VERY Important Insurance item as Claims Made Insurance coverage offers ZERO Insurance protection after install. So a big claim could actually force a Roofer into bankruptcy as they probably couldn’t afford the payout in house.
Having enough Insurance protection is absolutely critical and worth paying a bit more for in roofing construction; damages and accidents do happen. Insist on seeing an actual Insurance Cert. where you can call and verify such coverages or get your Property Entity/LLC listed as “Additional Insured” so that you have direct Insurance Carrier “Co-Named” Protection.
ROOFER’S TRUCK Insurance: What if your roofer backs into a car or your building while on your property? We carry a 1M AUTO/TRUCK INSURANCE.
We advise you to do your Homework. Ask for Insurances. If you get any resistance, delay or “story” in place of a Certificate direct from the Roofers Insurance Agent….RUN. That’s not the Roofing Firm for you. There are plenty of Reputable roofing companies with the correct insurance and the ones that freely offer this important information to you upfront are the ones who will properly protect you.