Weather the Storm, Secure Your Roof: Essential Insurance for Roofers | Marvel Insurance Consultants

Reach New Heights with Confidence

Insurance Solutions for Roofers
Mitigating Risks

As a dedicated roofer, you ensure homes and businesses stay protected from the elements. But roofing projects are inherently risky. Standard liability insurance may not provide enough coverage for the specific challenges you face.

Protect yourself, your crew, and your clients with comprehensive insurance designed for the unique demands of the roofing industry.

General Liability

This foundational coverage protects you from property damage caused by accidental mistakes during roof installation or repair, as well as bodily injury claims if someone gets hurt on the job site (e.g., falls from heights).

Workers' Compensation

Ensure financial protection for your employees in case of work-related injuries, a requirement in most states. This could include falls from ladders or scaffolding, exposure to extreme weather conditions, or muscle strain from lifting heavy materials.

Commercial Auto

Get comprehensive coverage for your work vehicles, including roofer trucks and vans, used for transporting equipment, materials, and reaching customer locations.

Tools & Equipment Coverage

Protect valuable tools and equipment against theft, damage, or loss, crucial for a roofer's livelihood.

Tailored to You

At CIA, we understand roofers specialize in various materials and projects. We offer a variety of insurance solutions to cater to your specific service offerings.

Shingle

Protect your business focused on installing and repairing asphalt shingle roofs, the most common roofing material.

Metal

Secure comprehensive coverage for projects involving metal roofing systems, which require specialized installation techniques and considerations for weather extremes.

Flat Roof

Get tailored policies that address the unique risks associated with flat roof repairs and installations, including waterproofing membranes and drainage systems.

Why Partner With Us?

Choosing the right insurance partner is essential for your roofing business.

Industry-Specific Expertise

Our team has a deep understanding of the legal and financial challenges faced by roofers. We can answer your questions about specific coverages and risk mitigation strategies relevant to your roofing services.

Risk Management

We offer valuable resources and guidance on workplace safety protocols specific to roofing work, including fall protection best practices, proper use of harnesses and safety lines, and working safely in different weather conditions.

Customized Coverage

We work closely with you to understand your project types, crew size, and budget to create a personalized insurance plan that safeguards your business.

Dedicated Client Support

Our agents are always available to answer your questions, address concerns, and guide you through the claims process if necessary.

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Frequently Asked Questions

Health insurance plans typically include HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), EPOs (Exclusive Provider Organizations), and POS (Point of Service) plans. Each has its own network of providers and coverage options, so it's important to assess individual needs and preferences.

Consider factors like premium costs, deductibles, co-pays, network coverage, prescription drug coverage, and specific health needs. Evaluating these elements alongside individual circumstances and budget can help identify the most suitable plan.

The out-of-pocket maximum is the highest amount you'll pay for covered services within a policy year. Once you reach this limit through deductibles, co-pays, and coinsurance, the insurance company covers 100% of the costs for covered services.

It depends on the specific plan and provider network. Some plans allow you to keep your current doctor if they are in-network, while others may require you to switch providers. It's crucial to review the plan's network to ensure your preferred doctors are included.

Missing the open enrollment period generally means you'll have to wait until the next enrollment period to obtain health insurance. However, certain life events, such as marriage, having a baby, or losing job-based coverage, may qualify you for a special enrollment period, allowing you to enroll outside the regular enrollment window.