Roofing Insurance — covered at height.
Roofing is the trade carriers respect most — and price accordingly. We place roofers with markets that actually want the class: GL with real completed-operations coverage, workers comp for the codes that matter, and the COIs your GCs demand.
Coverage you probably need
General Liability
Third-party injury and property damage — including the leak claims that surface after the job. What is general liability? →
Workers Compensation
Code 5551 rates high for a reason: falls define this trade. Required with employees in most states. What is workers compensation? →
Commercial Auto
Trucks, trailers, and the dump runs between tear-off and disposal. What is commercial auto? →
Inland Marine (Tools)
Ladders, guns, compressors — the gear that walks off job sites. What is inland marine (tools)? →
Umbrella
GC contracts increasingly demand more than $1M — an umbrella gets you there affordably. What is umbrella? →
What can go wrong
- A worker falls — the defining claim of the trade.
- A roof you finished leaks and damages the interior.
- Torch-down or hot work starts a fire.
- A bundle drops on a car (or a person) below.
- A sub without insurance gets hurt and looks to you.
What carriers usually ask
- Residential vs. commercial mix, and steep vs. flat.
- Payroll, crews, and sub usage (with COI discipline).
- Heights worked and fall-protection program.
- Hot work — torch, hot tar, or membrane welding.
- Claims history and years in business.
Common contract wording
GCs typically require $1M/$2M GL with additional insured (ongoing AND completed operations), waiver of subrogation, and primary & noncontributory wording — we issue COIs that match the contract, not just a generic form.
State notes: Several states run their own comp systems and roofing rules vary sharply; we confirm what your state and contracts actually require.
Get covered for Roofing Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentRoofing Insurance FAQs
Why is roofing insurance so expensive?
Fall severity drives both comp and GL rating. There is no legitimate cheap workaround — but correct classification, documented safety, and the right market keep it sane.
Can you cover new roofing businesses?
Yes — new ventures place harder, but this is our specialty. Expect to provide experience history from prior employment.
Do you write torch-down work?
Some markets exclude hot work; we know which ones don't. Tell us up front so the policy matches reality.
How fast can I get a COI for a GC?
Same day once coverage binds, with the endorsements the contract lists.
Keep exploring
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.