Ai Roofing Contractors Insurance will protect Roofing Contractors from the countless liability risks they face during the process of roofing removal or installations.
Installing and repairing roofs in Canada exposes your business to more risks than the average contractor, therefore complete coverage is critical to your financial security. Hot summers and cold winters, fluctuating temperatures, sudden summer storms and seasonal changes in this country puts your roofing installations and materials to the test. Proper roofers insurance will give you the peace of mind that comes from knowing that your business will survive, even if the worst happens.
Roofing involves both hot and cold applications. The hot roofing process poses the highest liability potential as the process involves the use of open flame from torches which have lead to many rooftop fires and destroyed many commercial and residential properties. New York City, for example, has banned the use of open flame on combustible roof decks for the past 20 years.
Working at heights is the nature of the business. In Canada, more than 40,000 workers get injured annually due to fall accidents and one-third of those falls are from roofs. This represents high liability exposure for your business and significant cost and amount of “lost-time injuries”. In addition to the great economic loss, falls cause pain and suffering and claim lives and represent huge insurance injury claims that can cost you your business and livelihood.
Not just falls but 11% of Roofing related deaths are from Electrocution and Burns as a result of working with hot asphalt also is a large contributor to roofing injuries.
Roofers die at a rate of 29.9 deaths per 100,000 full-time workers.That’s the 5th highest work-related death rate among construction workers.That’s two times the average of all construction workers, which is 15.2 per 100,000 full-time workers.Approximately 50 roofers die each year, mainly from falls.
The location of roofing installation and employees working at heights can pose a high liability exposure. Articles falling from the roof during the roofing process can expose third-party individuals, as well as you and your employees to injury. Employees will need to ensure they are protected from working at heights risks. Protecting your business and your employees are the top priority.