Protect Your Roofing Business with General Liability Insurance in Minnesota
Part of our guide to roofers insurance in Minnesota.
A single slip-and-fall accident in Minnesota can cost your roofing business upwards of $50,000. General Liability Insurance caps this financial risk, covering third-party bodily injury, property damage, and advertising injury claims. You need this foundational policy to safeguard your business from unforeseen accidents. In Minnesota, extreme weather conditions like blizzards and spring flooding increase the likelihood of accidents, making General Liability Insurance even more crucial. With General Liability, you can ensure your business is protected from financial losses due to accidents or property damage.
General Liability cost for roofers in Minnesota
Illustrative monthly general liability estimate for a small roofer operation in Minnesota. Actual pricing depends on revenue, payroll, coverage limits, claims history, and carrier. Get a personalized quote to see your real price.
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What General Liability Covers for Roofers in Minnesota
General Liability Insurance for roofers in Minnesota covers third-party bodily injury, property damage, and advertising injury claims. This includes accidents like slip-and-falls, vehicle damage, and property damage caused by your work. For example, if a client trips over a loose wire on your job site, General Liability Insurance will cover their medical expenses and any resulting lawsuits. Additionally, if your advertising inadvertently infringes on another company's copyright, General Liability will cover the costs of the lawsuit. However, General Liability does not cover workers' compensation claims or commercial auto accidents, which require separate policies. You can tailor your General Liability policy to fit your specific business needs, including the type of projects you work on and the level of risk involved.
Do Roofers in Minnesota Need General Liability?
General contractors and commercial property owners in Minnesota almost universally require roofing subcontractors to carry General Liability Insurance before allowing them on a roof. This is because General Liability Insurance protects not only your business but also the client's property and other third parties from accidents or damage caused by your work. While Minnesota law does not require General Liability Insurance for all businesses, it is a practical necessity for roofers who want to work on commercial projects or with large clients. Without General Liability Insurance, you may be unable to secure contracts or work with certain clients, which can limit your business's growth and revenue. Furthermore, if you are found liable for an accident or property damage, you may be personally responsible for the costs, which can be financially devastating.
A Real General Liability Claim a Roofer Could Face
A roofer in Minneapolis was working on a commercial building when a strong gust of wind blew a loose roofing panel off the roof, damaging a parked car below. The car's owner sued the roofer for $20,000 in damages. The roofer's General Liability Insurance policy covered the cost of the lawsuit and the damages, saving the business from a significant financial loss. The claim was settled for $15,000, and the roofer's General Liability Insurance policy paid the full amount. In Minnesota, where weather conditions can be unpredictable, General Liability Insurance is especially crucial for roofers who work at heights and with heavy materials.
What General Liability Costs for Roofers in Minnesota
The cost of General Liability Insurance for roofers in Minnesota varies based on several factors, including revenue, payroll, coverage limits, and deductible. For example, a roofer with a high revenue and large payroll may pay more for General Liability Insurance than a smaller business. Additionally, roofers who work on high-risk projects, such as those involving heights or heavy materials, may pay more for General Liability Insurance than those who work on lower-risk projects. The estimated monthly premium for General Liability Insurance in Minnesota is $40-$110. To lower your premium, you can consider increasing your deductible, reducing your coverage limits, or improving your business's safety record. You can also shop around for quotes from different insurance providers to find the best rate for your business.
How to Get General Liability in Minnesota
To get General Liability Insurance in Minnesota, you can start by gathering information about your business, including your revenue, payroll, and coverage needs. You can then contact an insurance provider or broker to get quotes and compare rates. In cities like St. Paul and Rochester, you can find insurance providers who specialize in General Liability Insurance for roofers. When comparing quotes, consider the coverage limits, deductible, and premium, as well as the insurance provider's reputation and customer service. By doing your research and comparing rates, you can find the best General Liability Insurance policy for your business and ensure you're protected from financial losses due to accidents or property damage. For $40-$110/month, you can safeguard your business and ensure you're able to continue working on commercial projects, see your rate today
Frequently asked questions
Will my General Liability premium jump after one claim?＋
Yes. Your premium may increase after a claim. However, the amount of the increase will depend on the severity of the claim and your business's overall claims history. You can work with your insurance provider to mitigate the increase by improving your business's safety record or taking other risk-reducing measures.
Can I get a COI same-day for a client?＋
Yes. Many insurance providers offer same-day certificates of insurance (COIs) for General Liability Insurance. You can contact your insurance provider to request a COI, and they will typically provide it to you within a few hours. This can be especially helpful if you need to provide proof of insurance to a client quickly.
Does a sole proprietor need General Liability?＋
Yes. Even as a sole proprietor, you can still be held liable for accidents or property damage caused by your work. General Liability Insurance can protect your personal assets and business from financial losses due to unforeseen accidents. You can tailor your General Liability policy to fit your specific business needs, including the type of projects you work on and the level of risk involved.
What's not covered by General Liability?＋
General Liability Insurance does not cover workers' compensation claims, commercial auto accidents, or intentional acts. You will need to purchase separate policies to cover these risks. Additionally, General Liability Insurance may not cover certain types of property damage, such as damage caused by mold or asbestos. You should review your policy carefully to understand what is and is not covered.
Can I cancel my General Liability policy at any time?＋
Yes. You can typically cancel your General Liability policy at any time, but you may be subject to a penalty or fee. You should review your policy carefully to understand the cancellation terms and any potential fees.
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Other coverages roofers in Minnesota should know
This article is for general educational purposes and is not insurance or legal advice. Coverage requirements and pricing in Minnesota change over time and vary by business. Verify current rules with the Minnesota Department of Insurance and a licensed agent before purchasing a policy.