What types of roofing contractors do you work with? +
We work with roofing contractors of all sizes and specialties, including commercial single-ply, industrial, multifamily, retail residential, storm restoration, and re-roofing operations. Whether you run a crew of five or manage a large multi-state operation, we can connect you with the right insurance program.
How quickly can I get a quote? +
For straightforward accounts with clean loss history, typically 24-48 hours. More complex accounts, such as those with open claims or unique exposures, may take a few additional days as we work with specialist underwriters to find the best program for your operation.
How does the process work? +
Submit your information through our quote form or contact us directly. We review your operation details, loss history, and coverage needs, then connect you with insurance specialists who focus on roofing contractor risk. They will present you with tailored coverage options and competitive pricing.
What kind of specialists do you connect contractors with? +
Insurance professionals who focus specifically on construction and roofing risk. These specialists understand the unique exposures roofing contractors face, from heights and hot work to weather-related claims, and they have access to markets that standard agencies often cannot reach.
Can you help a roofer who does both commercial and residential? +
Yes, specialists can structure coverage as a single program that addresses both commercial and residential exposures. This often results in better pricing and fewer coverage gaps than maintaining separate policies for each line of work.
What if I have open claims on my loss runs? +
Open claims do not disqualify you. While they can affect pricing and available markets, the specialists we work with are experienced in placing contractors who have active claims. Being upfront about your loss history helps us find the best program for your situation.
How much does roofing contractor insurance cost? +
Costs vary significantly based on your specialty, payroll, revenue, claims history, and state. General liability for a small residential crew might start around $3,000-$5,000 per year, while a large commercial operation can pay $15,000-$50,000 or more. Workers compensation is typically the largest line item, often running $15-$25 per $100 of payroll for roofing class codes. The best way to get an accurate number is to request a quote based on your specific operation.
What insurance do I need to get on a general contractor's approved vendor list? +
Most general contractors require general liability ($1M/$2M), workers compensation, commercial auto, and an umbrella policy ($1M-$5M). You will also typically need additional insured endorsements, a waiver of subrogation, and a per-project aggregate. Some GCs require completed operations coverage and professional liability. We can help you understand the exact requirements and structure a program that meets them.
Do you offer workers compensation for roofing contractors? +
Yes, workers compensation is one of the most critical coverages for roofing contractors and one of the hardest to place affordably. We connect you with specialist carriers who understand roofing class codes (NCCI 5551 for roofing, 5553 for siding) and can offer competitive rates, even for contractors with higher experience modification rates.
What is an experience modification rate (EMR) and how does it affect my premiums? +
Your EMR is a multiplier applied to your workers compensation premium based on your claims history compared to other contractors in your class code. An EMR of 1.0 is average. Below 1.0 means fewer claims than average and lower premiums. Above 1.0 means more claims and higher premiums. Many general contractors require an EMR below 1.0 to qualify as a subcontractor. Improving safety programs and reducing claims frequency are the best ways to lower your EMR over time.
