Roof flashing is a thin material — usually steel, copper or aluminum — that professional roofers use to direct water away from critical areas of the roof. Flashing is installed to surround roof features, such as vents, chimneys and skylights, allowing water to run down the side of the flashing and be directed to the shingles instead of finding its way into the roof deck.
Flashing contractors install flashing with new roofs, as well as perform flashing maintenance and repair services.
Being a flashing contractor involves your work crew and their equipment being present on the roofs of homes and in yards for several days or hours, using equipment and tools, and potentially leading to injuries or property damage for the homeowner.
If something goes wrong while you’re working on someone’s home, the consequences can be devastating. That’s why you need flashing contractor insurance to help you mitigate your risks and protect your business.
Why Do You Need Flashing Contractor Insurance?
Without proper flashing on a roof, water could potentially drip between crevices and into the home, causing a major disaster for the homeowner. Flashing is extremely important, which is why it can be so damaging if it’s installed improperly or becomes damaged.
In fact, improper roof flashing is one of the most common causes of roof leaks and subsequent property losses for homeowners. As a flashing contractor, you employ skilled workers who ensure that the job is done right. But you can’t prevent every problem from happening.
When you work on someone else’s property, you expose both your customers and your employees to injuries and other problems.
Flashing contractor insurance protects your business from risk exposures. If, for example, you damage a client's property during the course of your work, it could cost you thousands of dollars to make repairs or replace what you’ve damaged. In addition, you face property losses (losses to tools, equipment, and other valuable commercial property) from a variety of sources, including fire, theft, severe weather, and vandalism.
If someone sues you after you cause an injury or property damage, you’ll have to pay for your own legal fees. A lawsuit could financially devastate your business, and even result in bankruptcy.
Flashing contractor insurance lets you protect your business from devastating losses.
General Liability Insurance for Flashing Contractors
Flashing contractors must carry commercial general liability insurance. It protects you from the costs of any third-party injuries or property damage that you cause. If, for example, a vendor slips and falls while delivering supplies to your business, your insurance will cover the cost of any related medical care, as well as any legal costs that may arise if the person sues you.
You face a variety of other liability risks, as well. The equipment you use to install flashing may present an attractive nuisance to children. And the process installing roofs and flashing can result in property damage or injuries to the homeowners.
CGL insurance protects you from having to pay out of pocket for damage or legal fees if your services happen to cause damage to any of the homes you work on. It offers broad protection for a wide variety of negligence claims and lawsuits.
Your flashing contractor insurance package may contain the following additional types of liability coverage as well.
- Cyber liability insurance: This provides coverage in the event of a data breach involving your business. It helps pay for the costs of notifying affected clients, as well as public relations and investigation costs, and more.
- Commercial umbrella insurance: This provides supplemental liability protection beyond the limits of certain other liability policies. This policy can be invaluable for that once-in-a-lifetime judgment rendered against you.
- Employment practices liability insurance: This covers you if an employee sues you for discriminatory employment practices.
Property Insurance for Flashing Contractors
You likely have owned or leased office space, retail space, or warehouse space where you perform administrative tasks and store all of your tools, equipment, materials, and supplies. Your physical space likely serves as a home base for your employees. And it may be filled with furniture, computer equipment, and other commercial property that is susceptible to theft, vandalism, fires, storms, and certain other causes of loss.
Commercial property insurance protects buildings and their contents, including computers, office equipment, furniture, and all of your commercial property (whether it is owned or leased) if it is damaged by fire, smoke, theft, vandalism, or some other covered peril. If, for example, someone vandalizes the outside of your building, breaks in, and steals tools and equipment, your commercial property policy will help to pay for the repairs to your building. It will also cover the cost of replacing stolen or damaged property.
If you sustain damage that forces you to temporarily close or relocate, business interruption coverage will reimburse you for ongoing expenses (rent, salaries, etc.) and lost income during the closure or relocation period.
You may also need additional property coverage for your business. Talk to your independent insurance agent about your need for the following.
- Flood or hurricane insurance: Your basic commercial property policy does not cover flood or hurricane damage. Talk to your agent about flood and hurricane insurance if you're located an area that is prone to these events.
- Employee crime and dishonesty coverage: This protects your business from the costs of theft, dishonesty, and fraudulent acts committed by an individual employee or a group of employees. It provides coverage for forgery, alteration, theft, unauthorized electronic funds transfers, credit card fraud, computer fraud, money order fraud, and counterfeit fraud.
- Inland marine insurance: This covers tools, equipment, and supplies as they are in transit or in storage away from your main commercial premises.
Commercial Auto Insurance for Flashing Contractors
Your work crews travel from jobsite to jobsite in commercial vehicles owned by your business. Your commercial vehicles must be covered with commercial auto insurance. If one of your drivers causes an accident, it covers bodily injury and property damage that the driver is at fault for.
Commercial vehicle insurance covers your cars, trucks, and any other vehicles you use for business. In addition to liability coverage, it provides collision, comprehensive, and uninsured motorist coverage.
Your commercial auto insurance can be tailored to your needs. Your coverage and premiums will be based on how your vehicles are used and who drives them. Each vehicle owned by your business or used for business purposes can be listed separately on your business auto policy, with corresponding coverage for each vehicle that can differ depending on the vehicle’s characteristics and the coverage it requires.
If you have sales people or other employees who drive personal vehicles for business purposes, talk to your insurance agent about your need for non-owned auto liability insurance.
Workers’ Compensation Insurance for Flashing Contractors
Your employees work on ladders and high upon roofs every single day. They use a variety of tools and equipment in sometimes awkward, unsafe positions. They may suffer from work-related falls, back injuries, and repetitive motion injuries.
If one of your employees gets injured while on the job, you’re responsible for paying for his or her medical expenses. What’s more, he or she may not be able to work until fully recovered, leaving the employee without his or her income.
Workers’ compensation insurance: This protects your employees and your business from the costs associated with work-related injuries and illnesses. It provides coverage for medical care and income protection for an injured worker while he or she is unable to work. Workers’ compensation insurance also helps protect employers from lawsuits by injured employees.
Because your employees are exposed to a relatively high risk for injuries compared to other types of workers, your cost for workers’ compensation insurance may be higher than for other types of businesses.
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How Much Does Flashing Contractor Insurance Cost?
Your costs for flashing contractor insurance will vary depending on the unique characteristics of your business, such as the location, the number of employees, the value of your commercial property (building plus contents), whether or not you own your building, and how many vans or commercial vehicles you own and operate.
Flashing contractor insurance could cost several thousands of dollars per year, or more. The amount of coverage you need and the deductibles you choose also impact your insurance costs.
Find and Compare Quotes
An independent insurance agent can work with you one-on-one to determine the types and amounts of coverage you need. Your agent can get quotes from multiple insurance companies so you can evaluate the cost and coverage options and make the best choice.
Benefits of an Independent Agent
Our agents simplify the search process for finding the right flashing contractor insurance. They’ll walk you through the handpicked policy options and explain the details and options.
Most importantly, they’ll be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.
The Lowdown on Online Quotes
Online quotes can be tempting. They are fast and easy to get — but are they accurate? And are you getting quotes for the right coverage? For business owners, choosing speed over accuracy can cost you.
Online quotes can’t and don’t see the whole picture. They can omit important coverage that will leave you devastated if something unexpected happens. And they can leave out cost-saving opportunities that an agent can help you take advantage of.
Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.
TrustedChoice.com Article | Reviewed by Paul Martin
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