Commercial roofing contractors face unique insurance challenges including multi-story height exposure, large project values, and stringent contractual requirements from general contractors and property owners. We specialize in building insurance programs that meet bid requirements and protect your business from the exposures specific to commercial roofing operations.
Coverage Types
General Liability Insurance for Commercial Roofing Contractors
General liability insurance for commercial roofers covers third-party bodily injury and property damage claims.
Workers Compensation Insurance for Commercial Roofing Contractors
Workers comp for commercial roofers covers medical bills, lost wages, and disability from on-the-job injuries.
Commercial Auto Insurance for Commercial Roofing Contractors
Commercial auto insurance for roofing contractors covers trucks, trailers, and crew vehicles. Protect your fleet from accidents, theft.
Inland Marine Insurance for Commercial Roofing Contractors
Inland marine insurance protects roofing tools, equipment, and materials in transit or stored at job sites. Cover your assets wherever the work takes you.
Commercial Umbrella Insurance for Roofing Contractors
Umbrella insurance for roofers adds $2M–$10M in liability limits above GL, auto, and workers comp. Required for most commercial contracts.
Builders Risk Insurance for Commercial Roofing Contractors
Builders risk insurance for commercial roofers protects structures under construction from fire, wind, theft, and vandalism.
Contractors Pollution Liability Insurance for Commercial Roofing Contractors
Contractors pollution liability for commercial roofers covers asbestos disturbance, chemical spills, and fume claims excluded by standard GL policies.
Installation Floater Insurance for Commercial Roofing Contractors
Installation floater insurance covers roofing materials from purchase through installation. Protect membranes, metal panels.
Completed Operations Insurance for Commercial Roofing Contractors
Completed operations coverage protects roofing contractors from claims arising after project completion.
Professional Liability Insurance for Commercial Roofing Contractors
Professional liability insurance for roofing contractors covers design errors, specification mistakes, and consulting failures.
Equipment Breakdown Insurance for Commercial Roofing Contractors
Equipment breakdown insurance covers mechanical and electrical failure of roofing equipment like spray rigs, generators, and compressors.
Cyber Liability Insurance for Commercial Roofing Contractors
Cyber liability insurance for roofing contractors covers data breaches, ransomware, and funds transfer fraud.
Business Owners Policy for Commercial Roofing Contractors
A business owners policy (BOP) bundles property, general liability, and business income coverage for roofing contractors.
Excess Liability Insurance for Commercial Roofing Contractors
Excess liability insurance provides additional limits above primary policies for roofing contractors. Meet contract requirements and protect against.
Subcontractor Default Insurance for Commercial Roofing Contractors
Subcontractor default insurance (SDI) protects roofing GCs when subs fail to perform. Cover completion costs, delays.
Surety Bonds for Commercial Roofing Contractors
Surety bonds for commercial roofers guarantee project completion and payment to subs and suppliers. Required for government work and large private contracts.
Employment Practices Liability (EPLI) for Commercial Roofing Contractors
EPLI insurance protects commercial roofing contractors from employee lawsuits alleging wrongful termination, discrimination, harassment, and wage violations.
Commercial Property Insurance for Commercial Roofing Contractors
Commercial property insurance protects roofing contractors' offices, warehouses, equipment yards, and stored materials against fire, wind, theft, and more.
Flood Insurance for Commercial Roofing Contractors
Flood insurance protects commercial roofing contractors' buildings, warehouses, and stored materials from flood damage. Essential in flood-prone areas.
By Roofing Specialty
Commercial Roofing Contractor Insurance
Commercial roofing contractor insurance for GL, workers comp, and umbrella. Get coverage tailored to flat roof, low-slope, and multi-story projects.
TPO Roofing Contractor Insurance
TPO roofing contractor insurance covering heat-welded membrane installation risks. Specialized GL and completed operations for thermoplastic roofing.
EPDM Roofing Contractor Insurance
EPDM roofing contractor insurance for rubber membrane installers. Coverage for adhesive exposure, completed operations, and flat roof system failures.
Modified Bitumen Roofing Contractor Insurance
Modified bitumen roofing insurance for torch-applied and hot-mopped membrane contractors. Specialized coverage for fire risk and hot work operations.
Built-Up Roofing Contractor Insurance
Built-up roofing (BUR) contractor insurance for hot-applied multi-ply systems. Coverage for kettle operations, fume exposure, and fire liability.
Single-Ply Roofing Contractor Insurance
Single-ply roofing contractor insurance for TPO, PVC, and EPDM membrane installers. Lower rates than hot-applied with strong carrier appetite.
Metal Roofing Contractor Insurance
Metal roofing contractor insurance for commercial panel and sheet metal installers. Coverage for height exposure, material theft, and installation defects.
Standing Seam Metal Roofing Insurance
Standing seam metal roofing insurance for architectural panel contractors. Coverage for high-value installations, wind damage, and thermal movement claims.
Spray Foam Roofing Contractor Insurance
Spray foam roofing contractor insurance for SPF application specialists. Coverage for chemical exposure, overspray damage, and pollution liability.
Coating and Restoration Contractor Insurance
Roof coating and restoration contractor insurance for silicone, acrylic, and elastomeric system applicators. GL, pollution, and professional liability coverage.
Green Roof Contractor Insurance
Green roof contractor insurance for vegetative roofing system installers. Coverage for waterproofing failure, structural load risks, and design liability.
Solar Roofing Contractor Insurance
Solar roofing contractor insurance for PV panel and racking system installers. Coverage for electrical exposure, roof penetration liability.
Industrial Roofing Contractor Insurance
Industrial roofing contractor insurance for refinery, plant, and heavy industrial facility roof work. High-limit coverage for extreme height and hazmat.
Warehouse Roofing Contractor Insurance
Warehouse roofing contractor insurance for distribution center and logistics facility roof work. Coverage for large-footprint projects and interior damage.
Retail Center Roofing Contractor Insurance
Retail center roofing contractor insurance for strip malls, shopping centers, and big-box stores. Coverage for occupied building work and tenant disruption.
School District Roofing Contractor Insurance
School district roofing contractor insurance with performance bonds, high liability limits, and coverage for work around students and occupied campuses.
Multifamily Roofing Contractor Insurance
Multifamily roofing contractor insurance for apartment complexes, condos, and HOA properties. Coverage for occupied unit damage and tenant displacement claims.
Hospital and Healthcare Roofing Insurance
Hospital and healthcare facility roofing insurance for contractors working on occupied medical buildings.
Data Center Roofing Contractor Insurance
Data center roofing contractor insurance for mission-critical facility roof work. High-limit coverage for business interruption and equipment damage exposure.
Hot Work Roofing Contractor Insurance
Hot work roofing contractor insurance for torch, kettle, and hot-applied operations. Coverage for fire liability, burn injuries, and pollution exposure.
Low-Slope Roofing Contractor Insurance
Low-slope roofing contractor insurance for flat and near-flat commercial roof systems. Coverage for ponding water damage, membrane failures.
Commercial Reroofing Contractor Insurance
Commercial reroofing contractor insurance for tear-off and replacement projects. Coverage for occupied building exposure, debris damage, and disposal liability.
Emergency Roof Repair Contractor Insurance
Emergency roof repair contractor insurance for storm response and 24/7 leak repair services. Coverage for after-hours work, temporary repairs.
Roof Consultant and Inspector Insurance
Roof consultant and inspector insurance with professional liability (E&O) for condition assessments, specifications, and project oversight.
Solar Roofing Installer Insurance
Insurance for solar roofing installers who perform both roof work and solar panel mounting. Coverage for electrical exposure, panel damage.
Drone Roof Inspection Contractor Insurance
Insurance for drone-based roof inspection and surveying contractors. Coverage for UAV liability, data errors, privacy exposure.
Green Roof Contractor Insurance
Insurance for living roof and vegetative roof system installers. Coverage for waterproofing failures, plant mortality, structural load exposure.
Cool Roof Coating Contractor Insurance
Insurance for reflective roof coating and restoration contractors. Coverage for coating adhesion failures, overspray damage, and extended warranty liability.
Roofing Franchise Insurance
Insurance for multi-location roofing franchise operations. Coverage for franchisor/franchisee liability, multi-state compliance.
Government Roofing Contractor Insurance
Insurance for federal, state, and municipal roofing project contractors. Coverage meeting FAR requirements, bonding coordination.
High-Rise Roofing Contractor Insurance
Insurance for roofing contractors specializing in buildings 4+ stories. Coverage for extreme height exposure, crane operations.
Roofing Maintenance Program Contractor Insurance
Insurance for preventive roof maintenance and asset management contractors. Coverage for ongoing service agreements, inspection liability.
Emergency Roofing Contractor Insurance (24/7 Services)
Insurance for 24/7 emergency roofing services including leak response, tarping, board-up, and storm damage mitigation.
Waterproofing Contractor Insurance
Insurance for below-grade and above-grade waterproofing specialists. Coverage for concealed damage from membrane failures, foundation work exposure.
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