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Roofing Contractor Insurance
Roofing is one of the hardest trades to insure, and many insurance companies limit it or won't write it. We go to the ones that do, check for limits on height, residential work and torch or hot work, and match your certificates to what GCs and homeowners require. Call or text with your next contract and talk it through with someone who knows contractor coverage.
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Roofing
Coverage Built for Roofing Contractors
Residential, commercial, repair and new roofs each carry different risks. We place your work with insurance companies that write it.
- General liability written for roofing, with completed operations
- Workers comp for your crews
- Commercial auto for trucks and trailers
- Tools and equipment coverage
- Umbrella limits GCs and owners require
- License, permit and performance bonds
Good to Know
Before You Buy
Roofing is one of the hardest classes to place, and the details decide your price. We go through each one with you before you sign.
- Type of work. Many insurance companies limit roofing by height, residential versus commercial work, or torch and hot tar work, so describe all of your work when you quote.
- Workers comp. Falls make roofing workers comp one of the more expensive classes, so class codes and payroll need to be right.
- Licensing. Many states and cities require roofers to be licensed, and some require a bond.
- Completed work. Leaks after a job are a common roofing claim. Completed operations coverage responds to covered damage.
- Subcontractors. Uninsured subs can be added to your premium at audit. Keep a certificate from every sub you use.
- Additional insured. GCs and property managers usually require additional insured status on the policy, not just the certificate.
Pair It With
Gaps Roofing Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Your Tools Need Their Own Coverage
Liability doesn't cover your own tools. Tools and equipment coverage protects them on the job and in your truck.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Your Business Depends on Key People
If losing one person would hurt sales or operations, key person coverage gives the business money to recruit and keep going.
Bonds for Public and Larger Jobs
Public and larger private projects commonly require performance and payment bonds, and we help with those too.
Questions
What Roofing Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Why is roofing insurance so expensive?
Falls and water damage make roofing one of the riskiest trades. Shopping several insurance companies and getting your class codes right both help.
Does my policy cover torch or hot work?
Some policies exclude it. Tell us if you use torches or hot tar so we place you where it's covered.
Do I need workers comp if I only use subs?
Uninsured subs can be counted as your employees at audit. Collect certificates from every sub, and we can quote comp for your own crew.
Bidding a Roofing Job?
Send us the contract requirements and we'll match them.