b'Steep SlopeINSURANCE FOR ROOFERSAD HEREBy Jeff Pikel II, The DeHayes GroupA s a roofing contractor, yourbusiness for property damage and bodily injury to a third companysprimaryfocusparty. Many clients, builders, and general contractors and responsibility each dayrequire roofing contractors to carry commercial general is to protect your clients with a well-liability insurance in order to do business with them. designedandconstructedroof,More importantly, being a project-based industry, this keeping them safe and allowing youris one of the most important policies you can have to clients to sleep well at night. Believe it or not, a well- protect your business, as the bulk of your business if constructed insurance program can do the same forcoming from building, repairing, or replacing the roof you and your business by protecting your businessof a third party. assets when accidents occur. In this article, we willA few claims examples:discuss key coverages and policy language that willProperty Damage: Your crew is replacing an existing help protect your business properly for the exposuresroof. They did not properly lay down tarps before a and risks faced regularly within the roofing industry. heavy storm comes through, causing water damage Although operations vary depending on building height,to the inside of the house that was not being worked whether the roof is flat or pitched, materials being used,on. etc. Below are some key coverages to keep in mind asBodily Injury: While removing shingles and other you assemble a complete insurance program for yourexisting roofing materials from a home or business roofing business, and a few examples of how thesein order to install a new roof, one of your roofers coverages may apply. accidentally drops a piece of roofing material on a Commercial General Liability (CGL) passerby, injuring them.Commercial General Liability Insurance protects yourProducts & Completed Operations: A residential roof 24 www.mrca.orgMidwest Roofer'