commercial roofing contractors

The Types of Insurance That Cover Commercial Roof Projects

When it comes to your commercial property having a sturdy and reliable roof is essential to the success of your business. Well-maintained roofs protect the building and its contents but also help maintain the property’s value. However, Andy of Andy’s Roofing and Construction understands that even the best-maintained roof will have a day when it needs to be replaced. When it is time to consider a commercial roof replacement project, financing the project is an important factor to consider. In this article, Andy wants commercial property owners to understand the four types of insurance that may help offset costs when facing a commercial roof replacement project.


As business owners, it is important to protect your building, including its roof. There are four different types of insurance that were created to protect your business and its roof. 

  1. Commercial Property Insurance was created to help with replacement coverage if your property faces any damages.
  2. Business Interruption Insurance’s purpose is to cover any lost income that your business may face while it is undergoing reconstruction.
  3. Builder’s Risk Insurance helps offset the cost of construction for business owners. 
  4. General Liability Insurance provides coverage over a wide variety of issues including damages that may occur during a roof replacement. 

Commercial Property Insurance

If your property, commercial building, or contents have suffered damage or loss, commercial property insurance is designed to help protect replacement coverage. While no business owner wishes to suffer damage it is good to know that precautions are in place. It is important for business owners to have commercial property insurance coverage.

Business Interruption Insurance

If your property requires repairs, like a roof replacement project, business interruption insurance could provide coverage if the business has lost income due to the scope and nature of the project. Certainly, business owners work very hard to ensure the business runs efficiently so if you are nervous about undergoing a roof replacement project for fear of loss of income due to the construction, business interruption service may help cover the loss of income. 

Builder’s Risk Insurance

Builder’s Risk Insurance, sometimes called Course of Construction Insurance, is a type of property insurance that helps offset the costs of construction for business owners. Builder’s Risk may be applied to businesses undergoing renovation as well. In some instances, it is important for policy owners to work closely with their insurance issuer to know when Builder’s Risk or Course of Construction insurance coverage applies to a replacement of a roof on a commercial property in need of renovations. 

General Liability Insurance

Lastly, in the instance that a business suffers a claim for bodily injury, property damage, or other liabilities they may need the coverage provided by their General Liability Insurance. This type of insurance could provide coverage for any injuries or damage that may occur during the process of a roof replacement project. 

The success of your business depends greatly on the quality and reliability of the roof on your commercial property. Lucky for you, you don’t have to be a roofing or insurance expert when you are in need of a new commercial roof or commercial roof repair. Andy’s Roofing and Construction know roofs. Andy and his crew have a reputation in the Galesburg, Quad Cities, Peoria, and surrounding areas for excellence and high-quality craftsmanship.

To explore your commercial roofing options, call Andy’s Roofing and Construction. Andy has the experience you need for the roof you want. Call (309) 333-5806 for a free quote.

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