Know the business. Then the risk.
Insurance built from the operation outward.
The strongest program starts with how your organization works: where people operate, what contracts require, which assets matter most, and where a disruption would hurt.
Start a conversationExposures we examine
Details change the program.
- Falls from roofs and ladders
- Torch-down and other hot-work fire exposures
- Water intrusion and completed-operations claims
- Subcontractor and general contractor requirements
Commonly coordinated coverages
A coverage list is not a recommendation by itself. Limits, forms, exclusions, contracts, locations, and loss experience all matter.
What we look at
Where roofing contractors programs get specific.
Liability wording that fits roofing
Roofing liability policies frequently include exclusions or limitations for hot work, height, residential versus commercial projects, or certain completed-operations claims. We review those conditions against the work you actually perform.
- Hot work and torch-down conditions
- Residential, commercial, and new construction mix
- Subcontractor warranties and certificate requirements
Workers’ compensation and subcontractors
Roofing carries some of the highest workers’ comp rates in construction. Uninsured subcontractors can be added to your payroll at audit, so collecting certificates and written agreements throughout the year matters.
General contractor and owner requirements
GCs and property owners often require additional insured status, primary and non-contributory wording, waivers of subrogation, and minimum umbrella limits before you can start a job.
Questions we hear
Frequently asked questions
What insurance do roofers need?
Most roofing contractors review general liability, workers’ compensation, commercial auto, umbrella, and equipment coverage. Many also need bonds for certain projects or licenses.
Why is roofing insurance expensive?
Falls, fire, and water damage can lead to severe claims, and workers’ comp rates reflect injury risk. Classification accuracy and claims history also affect cost.
Do I need workers’ comp if I use subcontractors?
Requirements vary by state, but if a subcontractor doesn’t carry their own coverage, their payroll may be included on your policy at audit. Collect current certificates.
A better submission
Give underwriters a clear view of the risk.
We organize the operational story, current coverage, loss information, schedules, and relevant controls before approaching appropriate markets. That helps the conversation focus on underwriting fit—not missing information.
Coverage availability, terms, conditions, exclusions, and pricing vary by insurer and underwriting. This information is general and is not a representation of coverage under any specific policy.