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Siding and Decking Contractor Insurance by Builders Choice Insurance Services

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Siding and Decking Contractor Insurance provided by Builders Choice Insurance Services

Installing new siding on a home can significantly improve its curb appeal. Some types of siding even improve the home’s insulative properties, enabling homeowners to save money on heating and cooling costs. With the right kind of siding and correct installation, your siding should last for several decades, and your siding may only need to be repaired if there is significant damage.

Siding and Decking

Installing new siding on a home can significantly improve its curb appeal. Some types of siding even improve the home’s insulative properties, enabling homeowners to save money on heating and cooling costs. With the right kind of siding and correct installation, your siding should last for several decades, and your siding may only need to be repaired if there is significant damage. Poorly installed siding may allow water to enter your home, causing mold or foundation problems. Despite its durability and long life, siding can be damaged in some circumstances. The siding on the house may become dented, cracked, broken, or even ripped off by strong winds, flying debris, or hail. 

Why Siding Contractors Need Insurance

Siding installation is not without its risks. Workers face a variety of hazards, such as puncture wounds, cuts, and being struck by falling objects, which can result in injuries that require medical attention. When installing siding on upper floors, workers may need to stand on scaffolding or ladders, and a fall from heights such as these can have significant consequences. Most states require business owners who have employees to carry workers’ compensation insurance. Even if your business is not located in one of these states, it is an excellent idea to have it. This insurance shields your business from the risk of liability lawsuits related to workers ‘ injuries by covering medical expenses, lost wages, and even death benefit payments to family members if an injury is fatal.

How much does insurance cost for installers?

A small business with a few workers will pay less for insurance than a large company.

Factors that affect premiums include:

  • Installation services offered
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
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