Insurance for siding and deck contractors.

General liability, workers’ comp, commercial auto, and tools, for siding crews and deck builders, with the completed operations coverage a deck needs long after the last board goes down.

What siding and deck contractors usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Tools and equipment
Installation floater
Umbrella

Watch for these in a siding and deck policy

Deck collapsesA deck that pulls away from the house under a crowd is a large injury claim, and it can come years after you built it. Keep completed operations in force.
Missing flashingSiding or a deck ledger without proper flashing lets water into the wall. Rot claims follow, and many policies limit water intrusion or mold.
Balconies on multifamilySome policies exclude balconies and elevated decks on apartments and condos after a run of collapse claims. Check before you bid multifamily work.
Materials in the drivewaySiding, trim, and decking stolen from a job overnight is not a general liability claim. An installation floater covers your materials until they are installed.
Your subcontractorsMany policies require certificates from every sub you hire, and uninsured subs get charged at audit.

What homeowners and HOAs ask siding and deck contractors for

HOA approvalAssociations often want a certificate naming them before you can start on a unit.
Additional insuredGCs and builders require it for ongoing and completed operations. Homeowners usually just need a certificate.
Proof of workers’ compHomeowners are right to ask, since a worker without comp who is hurt on their property can end up as a claim against them.

Questions siding and deck contractors ask

Straight answers.

The questions we hear most, answered plainly.

Is a deck I built covered if it collapses years later?

Injuries from the collapse fall under completed operations, which needs to be in force when it happens. Rebuilding the deck itself is usually not covered.