Roofing contractors face some of the highest insurance requirements in the construction industry.
From workers compensation classifications to general liability limits and certificate requirements, roofing insurance must be structured correctly to protect your business and keep jobs moving in Louisiana.
Roofing operations involve height exposure, open roof work, and storm related claims, which makes proper policy setup critical.
Roofing class codes are typically the highest rated in the construction industry because of fall risk and severe injury. Payroll must be classified accurately to avoid audit issues. We help roofers understand how payroll and job type affect workers compensation costs.
Many contracts require $1,000,000 per occurrence limits, and some require higher limits or umbrella coverage. Additional insured endorsements and waiver of subrogation wording are common requirements in roofing contracts.
Certain policies may contain open roof exclusions or limitations related to storm exposure. We review policy language carefully to avoid coverage surprises after a claim.
Roofing contractors frequently need same day certificates to begin work. Incorrect wording or missing endorsements can delay payment and job approval. We review requirements before issuing certificates.
Roofing is considered high risk due to fall exposure and injury frequency. Most claims reach policy limits.
Some projects require limits above standard general liability. We review the contract requirements and help roofers meet the required limits.
Louisiana has strict workers compensation requirements for contractors with employees. Louisiana requires any business that has 1 employee to carry workers compensation.
It is a policy limitation that restricts coverage if a roof is left open and the weather causes damage to the property that you were working on. This is another important coverage that many roofers miss.
Ideal Insurance LLC
102B Woodvale Ave, Lafayette, LA 70503
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.