Which two insurances should a roofing contractor carry for employees?

Which two insurances should a roofing contractor carry for employees?

• A. Carrying general liability insurance and workers' compensation insurance for employees
• B. Carrying only health insurance
• C. Carrying only life insurance
• D. Carrying no insurance

Answer: (C)

Essential coverage for a roofing contractor with employees is workers’ compensation and general liability. Workers’ compensation is typically required by law and covers medical treatment and lost wages for employees injured on the job, preventing the company from paying those costs directly. General liability protects against claims of property damage or bodily injury to others that can arise from roofing work, such as damage to a client’s home or injuries to a bystander. Together, these two policies address the most common financial risks tied to employing roofers: worker injuries and third-party property or injury claims. Health insurance or life insurance for employees can be offered as benefits, but they are not the standard coverage required to protect the business and its workers in the course of roofing work.

Essential coverage for a roofing contractor with employees is workers’ compensation and general liability. Workers’ compensation is typically required by law and covers medical treatment and lost wages for employees injured on the job, preventing the company from paying those costs directly. General liability protects against claims of property damage or bodily injury to others that can arise from roofing work, such as damage to a client’s home or injuries to a bystander. Together, these two policies address the most common financial risks tied to employing roofers: worker injuries and third-party property or injury claims. Health insurance or life insurance for employees can be offered as benefits, but they are not the standard coverage required to protect the business and its workers in the course of roofing work.