{"id":1313,"date":"2019-08-12T14:22:43","date_gmt":"2019-08-12T20:22:43","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=1313"},"modified":"2019-08-12T14:25:52","modified_gmt":"2019-08-12T20:25:52","slug":"1313-2","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/1313-2\/","title":{"rendered":"Is Roofers Insurance expensive?"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"257\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/industry-insights-roofers-j-1024x257.jpg\" alt=\"insurance for roofers\" class=\"wp-image-1379\" srcset=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/industry-insights-roofers-j-1024x257.jpg 1024w, https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/industry-insights-roofers-j-300x75.jpg 300w, https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/industry-insights-roofers-j-768x193.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>we are insuring roofers<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Is Roofers Insurance expensive?  Top tips for saving. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How\nmuch do Roofers pay for insurance? <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A lot! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even compared to other high-risk occupations, their insurance seems high. Workers Comp rates for roofers can be as much as eight times that of Fire Fighters. They also have higher General Liability rates than other contractors.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/Roofers-1-1024x1024.jpg\" alt=\"High Roofs!  Steep Roofs!  The workplace for roofers is an open invitation to an accident.\" class=\"wp-image-1396\" width=\"252\" height=\"252\" srcset=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/Roofers-1-1024x1024.jpg 1024w, https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/Roofers-1-150x150.jpg 150w, https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/Roofers-1-300x300.jpg 300w, https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/Roofers-1-768x768.jpg 768w, https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/Roofers-1.jpg 1280w\" sizes=\"auto, (max-width: 252px) 100vw, 252px\" \/><figcaption>The steeper the workplace the steeper the premium.  Ask a Roofer!<\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why\nis insurance so expensive for roofers?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you own a roofing business, then you know that roofing is a precarious business. Roofing is reported by many to be one of the five most dangerous occupations. As a result, insurance companies pay out more and higher claims. To offset the high losses, carriers must charge risky occupations higher premiums.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Gravity\nor Gravity<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why is roofing so risky? The term \u201cWhat goes up, must come down,\u201d maybe the best answer to that question. Enhancing roofer safety starts with identifying how gravity increases risk. The following are a few of the more difficult issues to overcome: <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright\"><img loading=\"lazy\" decoding=\"async\" width=\"275\" height=\"183\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/roofer1-1.png\" alt=\"Why is roofers insurance high? \n High and Sloped roofs open the door for gravity to do damage. \" class=\"wp-image-1394\"\/><figcaption>Roofing is a Risky Business<\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7\nRoofers perform a labor-intensive job in unusual work-spaces<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7\nA floor that has a 25 to 40 Degree slope, and even steeper<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7\nWorking as much as 80 feet off the ground <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7\nFalling items can accelerate to a speed of 25 to 30 MPH.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Gravity is also defined as something extreme or seriousness. The Gravity of insuring roofers lies with their work-space. <\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Roofing businesses attempting to reduce the cost of insurance need a plan.&nbsp; The best place to start is with better risk management. The following areas provide a good starting point:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7\nRoofers pose a threat to non-related individuals on the job site at the same\ntime.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7\nRegardless of weight, falling objects can lead to serious, even\nlife-threatening injuries.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7\nPotential for increased frequency and magnitude of liability and Work Comp\nclaims.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Is\nit possible to reduce the cost of roofers insurance? <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, it is, and this post aims to point you in that direction. If you think that you can&#8217;t save money on insurance for your own roofing business, your wrong.&nbsp; First of all, there are a handful of insurance companies that do a better job with the industry.&nbsp; As a result, they often have lower premiums that their competitors.&nbsp; Actions on your part can also have a substantial impact.&nbsp; Risk Management offers another route for roofers to save on insurance.&nbsp; Taking an active role in the process will eliminate or reduce certain risk.&nbsp; The long term impact should reduce insurance claims.&nbsp; There is also a positive impact on the roofing business via lower-cost insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The nature of the industry demands attention to detail.&nbsp; Ongoing risk awareness is critical.&nbsp; Business owners should leverage this knowledge into constantly improving safety protocols.&nbsp; Failure to do so will increase the potential for injuries and property damage.&nbsp; As a result, there will also be upward pressure on your insurance premiums.&nbsp;&nbsp; Poor Risk Management is negative for any business.&nbsp; But for industries considered to be high-risk, like roofers, the impact is even worse.&nbsp; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Insurance\nis only one part of risk management<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Five\nprimary strategies which Individuals and Business use to manage risk:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7\nRisk Avoidance More attractive than practical, this effort attempts to\neliminate risk.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7&nbsp; Risk Transfer Insurance: Insurer indemnifies consumer in exchange for a premium.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7&nbsp; Risk Reduction Limiting risk by altering\nprocesses, procedures, or equipment.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7&nbsp; Risk Retention Consumer retains all or a\nportion of the risk.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00b7&nbsp; Merged Strategies Combining two or more of\nthe above. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Buying high deductible insurance combines risk transfer and risk retention.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insuring everything isn\u2019t an option for most. Even for those that can, it isn\u2019t the most optimal solution. It is often more cost-effective to manage risk using one of the other risk management strategies. One example of this has been a dilemma that roofers have been faced with. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>In\nrecent years, Kentucky Roofer&#8217;s insurance claims have been higher than\nexpected. The weather played a role but in this case, discrepancies go beyond\nthe actions of Mother Nature. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The\nculprit: Nail Guns!<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As roofers have transitioned from hammers to nail guns, problems soon followed.&nbsp;&nbsp; Shingles were blown off shortly after new roofs were installed.&nbsp; Often under fairly modest wind conditions.&nbsp; A growing stream of adverse reports followed.&nbsp; With product lives nowhere close to advertised, the problem had to be found.&nbsp; In the end, the finger of blame was pointed at roofers.&nbsp;&nbsp; Specifically, those using nail guns.&nbsp;&nbsp; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Problems with nail guns were soon seriously scrutinized by everyone.&nbsp; From Insurance companies to Angie\u2019s List. The issues were simple.&nbsp; Should roofers use nail guns? If so, then what could roofers do to reduce losses?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There is little doubt that there was a strong preference for the use of nail guns. At least from the vantage point of roofers.&nbsp; There has also been awareness of the losses.&nbsp; Especially by those in the insurance industry and dissatisfied homeowners.&nbsp;&nbsp; What would be done if the rising loss trend could not be turned?&nbsp; If not and if roofers continued using guns, would insurance costs rise for roofers? <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>How\nmuch would insurance premiums go up for roofers?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The answer.&nbsp; The roofing industry would soon see tremendous rate increases for General Liability Insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insuring the risk associated with the use of nail guns was not an optimal solution. To continue using them, the industry had to rein in claims associated with nail guns.&nbsp; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Answer, a Risk Management Process<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Risk\nManagement Process<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1.\nResearch and Identify Risk<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.\nRisk Analysis and Evaluation<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3.\nRisk Remediation<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4.&nbsp; Ongoing Monitoring <\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"168\" src=\"https:\/\/www.insuringky.com\/blog\/wp-content\/uploads\/2019\/08\/roofer-missed-shingle.jpg\" alt=\"When a roofer misses the reinforced nailing strip it reduces the shingle life.  \" class=\"wp-image-1393\"\/><figcaption>Nail missed shingle<\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The\nrisk identification and analysis indicated the following issues:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022\nProper nail gun pressure-DO NOT tear through the shingle<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022\nNails must be driven through the tar line.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022\nNail flush to the shingle<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022\nAdjustments to equipment settings for inter-day changes in the ambient air\ntemperature.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022\nExperience is always important. We become more discerning when insuring roofers\nusing nail guns.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Risk\nReductions, a Path to Reducing the Cost of Insurance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Incorporating the Risk Management Process leads to a positive outcome.&nbsp; It created a path for the continued use of roofing nail guns. Raising awareness of the associated problems, roofers could implement effective new work processes. These changes would put the industry on a path to significantly reduced claims. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With shingles under control, customer satisfaction should notably improve. Better roofing jobs will also get the attention of the insurance industry. With fewer claims, it\u2019s fair to assume that losses are declining. In a vacuum, reducing losses should put downward pressure on insurance premiums. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We started this winding path with roofers trying to use roofing nail guns.&nbsp; Roofers using nail guns were aimed at increasing efficiencies and reducing cost.&nbsp; A noble goal.&nbsp; A goal achieved by understanding that insurance isn&#8217;t the only tool for managing risk.&nbsp; An achievement delivered when industry partnered with insurance to create a common goal.&nbsp;&nbsp;&nbsp; An achievement born by the willingness to reduce risk has improved an industry.&nbsp; Roofers and insurance working together have increased efficiencies and cost savings a reality.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is Roofers Insurance expensive? Top tips for saving. How much do Roofers pay for insurance? A lot! Even compared to other high-risk occupations, their insurance seems high. Workers Comp rates for roofers can be as much as eight times that of Fire Fighters. They also have higher General Liability rates than other contractors. Why is [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[1703,1692,1693,1691,1690,1702,1707,1667,1674,1668,1673,1665,1672,1666,1687,1686,1685,1684,1683,1682,1680,1681,1679,1698,1699,1697,1708,1677,1704,1705,1678,1669,1671,1670,1706,1675,1676,1696,1689,1688,1701,1700,1695,1694],"class_list":["post-1313","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-gravity-of-insurance","tag-how-much-does-indiana-roofers-insurance-cost","tag-how-much-does-insurance-for-roofers-cost","tag-how-much-does-kentucky-roofers-insurance-cost","tag-how-much-does-roofers-insurance-cost","tag-impact-of-gravity-on-insurance-cost","tag-insurance-and-nail-guns","tag-insurance-for-indiana-roofers","tag-insurance-for-indiana-roofing-business","tag-insurance-for-kentucky-roofers","tag-insurance-for-kentucky-roofing-business","tag-insurance-for-roofers","tag-insurance-for-roofing-business","tag-insurance-for-roofing-companies","tag-insurance-tips-for-indiana-roofers","tag-insurance-tips-for-kentucky-roofers","tag-insurance-tips-for-roofers","tag-insurance-tips-for-roofres","tag-is-insurance-expensive-for-indiana-roofers","tag-is-insurance-expensive-for-kentucky-roofers","tag-is-insurance-expensive-for-roofers","tag-is-insurance-expensive-for-roofing-businesses","tag-is-roofers-insurance-expensive","tag-is-roofing-a-risky-job","tag-is-roofing-a-risky-occupation","tag-is-roofing-risky","tag-nail-gun-pressure-insurance","tag-nail-guns","tag-nail-guns-and-insurance","tag-risk-management-for-roofers","tag-roofer-nail-guns","tag-roofers-insurance","tag-roofers-insurance-indiana","tag-roofers-insurance-kentucky","tag-roofers-save-money-with-risk-management","tag-roofing-guns","tag-roofing-nail-guns","tag-save-on-insurance-for-roofers","tag-top-tips-for-roofers-to-lower-insurance-premiums","tag-top-tips-for-roofers-to-save-on-insurance","tag-why-does-insurance-cost-roofers-so-much","tag-why-is-insurance-so-expensive-for-roofers","tag-work-comp-insurance-for-kentucky-roofers","tag-works-comp-insurance-for-roofers"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Insurance is expensive for everyone. 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