b'ICI roofers should consider purchasing liability limits from $20,000,000 to $50,000,000 or more (if commercially available and affordable), even if it means sacrificing expenditure in other areas of your business. This is about staying in business.year in Canada we still witness several major roofing-related incidentsProtective Roofing costing millions of dollars. It is only a matter of time until one or more people perish from a roofing fire. When it occurs, the size of the claim will be the combination of third-party property damage, loss of useSafety Productsand bodily injury and/or loss of life. Additionally, a major water dam-age claim from ICI roofing worksfor example, in a major urban high rise or over a transportation system data centrecould have similar monetary impacts on building owners and tenants. The Canadian ICI roofing contractor should currently be pur-chasing no less than $10,000,000 limits of liability insurance, which is inadequate to cover most catastrophic losses in todays economy. ICIBYroofers should consider purchasing liability limits from $20,000,000 to $50,000,000 or more (if commercially available and affordable), even if it means sacrificing expenditure in other areas of your business. This is about staying in business. Insurance coverage on a claim stops altogether once the insurance coverage limits are exhausted. A roofing contractor will not be able to pay its insurer more premium to keep its coverage in effect once exhausted, and its insurer will not pay greater than the limit of liability on the policy. There seems to be a false belief that if a contractor only purchased $10,000,000 liability coverage and the claim is $20,000,000, the insurer will come to the table anyway.If you think you are purchasing enough liability insurance because your CCDC or other contract liability insurance specification states not less than $10,000,000, focus on the words not less than and review your indemnification agreement to see if it has a limitation ofThe PR 100 Guardrail Systemliability, cap or maximum. If not, by executing the contract you haveis an efficient and practical perimeter guardrail that allows youassumed unlimited liability subject to the breadth of the indemnifica-tion agreement, and if that breadth exceeds the scope of your liabilityto work right to the edge of the roof.insurance, youre very much on your own.Meets and exceeds OSHA & WCB requirementsFurthermore, you will always have unlimited liability to third par-Accommodates: parapets and cant stripsEasy to installties that are not signatories to your contract or purchase order. This Provides unobstructed access to roof edgecould be the innocent tenant or school pupilor, perish the thought, several of themcaught in a fire. Can you truly risk continuing to purchase only the limit specified in the insurance conditions?Contractors Pollution Liability Insurance (CPL) As new pollutants are identified, they are excluded by general li-ability insurers, so they become insured by pollution insurers. (Mould as a living organism is not a true pollutant, but pollutioninsurers have adopted it by defining it as if it were a pollutant.) Please be careful with which insurer you place this coverage, as some pollution insurers still exclude asbestos liability.The PR 600 Mobile Fall Protection SystemThe broadest form of coverage includes not only liability protec-tion against a pollution spill, but also clean-up costs associated withcan be moved along the roof by pulling the cart to the desired working location, a spill. ICI roofing contractors face pollution risks every single day.providing a safe working area. The PR 600 meets O.S.H.A. compliance 1926.502D.Sources of some of these risks include:Above and underground fuel tanks on your premises; The use of adhesives; and Roofing & Sheet Metal Super Service CentresExposure to pre-existing pollutants at premises on which you areperforming work. EDMONTON, AB CALGARY, AB WINNIPEG, MB WESTON, ONOne uninsured risk associated with a pollution accident is black- (780) 432-2786 (403) 255-8236 (204) 338-7613 (Weston Road)listing by a business or government, which can have severe impacts onBARRIE, ON HAMILTON, ON TORONTO, ON (416) 745-4111a roofing contractors bidding and tendering success. (705) 792-6683 (905) 560-2858 (416) 534-8421If you accidentally release pollutants, you will be responsible forWESTON, ONthe release, except in cases where an owner has not declared the existenceOAKVILLE, ON PICKERING, ON LONDON, ON (Signet Drive)of toxic and hazardous substances as required by law (check your provin- (905) 825-0034 (905) 426-4443 (519) 668-3626 (416) 744-2050cial and federal laws). The CPL policy, if you have one, will usually defend and indemnify you against such damage unless the owner negligentlywww.sparmarathon.cafailed to reveal the existence of toxic and hazardous substances to you.ORN THE ONLY SOURCE FOR PROFESSIONAL ICI ROOFING CONTRACTORS IN ONTARIO ONTARIO ROOFING NEWSISSUE 3 202321'