Roofing is one of the highest-risk trades in construction. Falls, weather damage, and material costs make proper insurance coverage essential. We work with carriers that specialize in roofing risks to get you the best rates available.
Coverages we place
General liability with completed operations for roof leaks and damage
Workers' comp for fall injuries and heat-related illness
Commercial auto for trucks carrying ladders, materials, and equipment
Tools & equipment including scaffolding and safety gear
Builder's risk for re-roofing projects
Umbrella liability for large residential and commercial contracts
Surety bonds for commercial and government projects
Business income for weather-related work stoppages
Type of roofing (steep slope, flat, commercial, residential)
Building height — two stories+ increases premiums significantly
Annual payroll and number of workers
Safety programs and fall protection compliance
Claims history — roofers typically have higher loss rates
Common exclusions
Work on buildings over specific height limits (varies by carrier)
Use of torch-applied roofing without proper endorsement
Asbestos removal or abatement
Work performed by unlicensed workers
Intentional building code violations
Frequently asked questions
Why is roofing insurance so expensive?
Roofing has the highest workers' comp rates of any trade due to fall risk. GL rates are also high because roof leaks can cause extensive interior damage. Clean safety records and OSHA compliance help reduce costs.
Can new roofing companies get insurance?
Yes, but expect higher premiums in your first 2-3 years. We work with carriers that accept new ventures and can structure your program to build credibility quickly.
Do I need separate coverage for each roof type?
Your GL policy covers all roof types you're licensed for, but some carriers exclude or surcharge specific operations like hot tar or torch-applied roofing. We'll match your operations to the right carrier.