Of course it is right.. As you stated you are in Fact "Self Employed", then presumably you have no employer other than yourself to obtain insurance for you. Who else would you expect to pay for your business insurance, Your Neighbors Employer?, The contactor with whom you contracted to obtain the roofing jobs for your business?, Of course not.. A good businessman or contractor will factor in the costs of his business Liability Insurance when he bids on a job. There are many benefits that come from being Self employed, there are also many responsibilities, among these are filing your own Tax Withholdings and Insuring your business risks.
This really depends on the nature of your work and relations with your clients and companies. Generally if you are self employed working by contract you would obtain your own Professional Liability Insurance to cover any perceived risks. If you work in the employee of another company then the employer would provide coverage it deems necessary.
The amount of Liability Cover is purely dependant on the business type and its operation. Small/medium business may have a liability cover of 1 to 2 million where a large company many have multimillion's
Anybody who subscribes to a liability insurance company is completely covered from any kind of lawsuits. A business liability insurance would cover the base costs of the defense fees.
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How much dose 3 square of roofing cover
Ltd is an abbreviation for Limited Liability; a limited company has limits to its liability; if the company goes bankrupt, or is sued, the liability does not extend to the shareholders in the company. A non-limited company; usually sole traders or partnerships, has unlimited liability - if a plumber floods your house, he is liable and you can sue him. Most non-limited companies have insurance to cover this kind of eventualility.
Very much depends what you will be doing as a self employed person. Short answer would be if you come into contact with the public or their property then you should get cover.
your gutter system.
It depends on what type of roofing you are talking about. Are you talking about wood shake shinlges ?
If your question concerns liability insurance, ordinarily, liability insurance on a company vehicle will apply to you if you are endorsed as an authorized driver of the car and if you are driving it on a company mission.
In roofing terminology, a "square" is 100 square feet; of 9.29 square meters.
If you have liability insurance your insurance should cover you while driving another vehicle with permission of the owner. The problem with a company truck is the limit of liability you might have to have.