Roofing Contractors Insurance
Protection that stands up to height, weather and completed-operations risk.
Protection built around the actual work
Roofing losses rarely stay small. A fall, open-roof water event, fire, vehicle accident or installation problem can affect people, property, contracts and reputation at the same time.
General Liability
Third-party injury, property damage, completed operations and contract-related liability.
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Workers’ Compensation
Employee injuries, payroll classifications, state requirements and subcontractor considerations.
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Commercial Auto
Work trucks, vans, trailers, drivers, hired and non-owned vehicles and mobile crews.
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Tools, Equipment & Materials
Mobile tools, rented equipment, installation materials and property moving between jobsites.
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Umbrella & Excess Liability
Additional limits for larger contracts, severe losses and protection above underlying policies.
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Bonds & Contract Requirements
Bid, performance, payment and license bonds, certificates and additional-insured requirements.
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Details that can change the right solution
We review the whole operation before recommending protection, including these trade-specific exposures.
Height & Fall Protection
Ladders, scaffolding, roof access, edge protection and documented safety practices.
Open-Roof & Weather Exposure
Tear-offs, temporary covering, water intrusion and storm-response controls.
Hot Work & Fire
Torch-applied systems, welding, heat-producing tools and fire-watch procedures.
Subcontractor Management
Certificates, agreements, payroll treatment and transfer of completed-operations risk.
Materials & Equipment
Roofing materials, hoists, compressors, generators, tools and property in transit.
Completed Operations
Installation defects, leaks, property damage and claims that appear after the job is finished.
Operations we understand
- Residential reroofing
- Commercial and low-slope roofing
- New construction roofing
- Repair and maintenance work
- Gutters and sheet-metal work
- Storm-response operations
A practical three-step review
Understand the operation
We learn what work you perform, where you work, who performs it and what your contracts require.
Identify the gaps
We review current protection, classifications, limits, exclusions, subcontractors, vehicles, equipment and people.
Coordinate the solution
We build a practical proposal and remain available for certificates, changes, claims guidance and annual reviews.
Common questions
Does general liability cover employee falls?
No. Employee injuries are generally addressed through workers’ compensation, while general liability focuses on eligible third-party claims.
Why do subcontractors matter so much?
Uninsured or improperly classified subcontractors can create audit, contract and claim problems. We review agreements, certificates and the actual working relationship.
Can you help with larger contract requirements?
Yes. We review additional-insured wording, waiver requirements, limits, bonds and umbrella needs before the work begins.
Protect the work behind your reputation.
Start with a complimentary Business Risk Assessment. We will help you see the whole operation—not just one policy.
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Coverage availability, eligibility, limits and pricing vary by carrier, location, operations and underwriting. This page provides general information and does not alter any policy, contract or agreement.