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Industries · Contractors

Insurance for roofing contractors.

General liability, workers’ comp, commercial auto, and tools, for residential and commercial roofers. Certificates with the wording your GC asks for.

A few quick questions, then we send you your price. Many trades get it in minutes.

What roofers usually carry

  • General liability, $1M / $2M
  • Workers’ comp
  • Commercial auto
  • Tools and equipment
  • Umbrella
  • Builder’s risk

Watch for these in a roofing policy

  • Height limitsSome policies exclude work above two or three stories. Check yours before a commercial job.
  • Hot workTorch-down and other open-flame work is often excluded unless it is listed.
  • New residential constructionMany specialty policies exclude it, which matters if you roof new homes for builders.
  • Your subcontractorsMany policies require certificates from every sub you hire, and uninsured subs get charged at audit.

What GCs and owners ask roofers for

  • Additional insuredFor ongoing and completed operations, CG 20 10 and CG 20 37.
  • Waiver of subrogationCG 24 04 on general liability, plus workers’ comp and auto.
  • Per-project aggregateCG 25 03, so one big job can’t use up your whole limit.
  • UmbrellaCommercial jobs often require $1M to $5M on top.

Questions roofers ask

Straight answers.

The questions we hear most, answered plainly.

How is roofing insurance priced?

General liability is priced on your revenue or payroll, plus your mix of residential and commercial work, your years in business, and your claims.

Do I need workers’ comp if it’s just me?

Often not by law, but many GCs still ask for a certificate. Some owner-operators carry a minimum policy for that reason.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Contractors and trades

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

General contractors

General liability, $1M / $2M, Builder’s risk, Workers’ comp

Electrical

General liability, $1M / $2M, Workers’ comp, Commercial auto

Plumbing

General liability, $1M / $2M, Workers’ comp, Commercial auto

HVAC

General liability, $1M / $2M, Workers’ comp, Commercial auto

Landscaping

General liability, $1M / $2M, Workers’ comp, Commercial auto

Framing

General liability, $1M / $2M, Workers’ comp, Commercial auto

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