Business Owners Policy for Commercial Roofing Contractors
A business owners policy (BOP) bundles commercial property, general liability, and business income coverage into a single, cost-effective package. For smaller commercial roofing operations, a BOP provides essential protection for your office, warehouse, shop contents, and liability exposure without the complexity of purchasing each coverage separately. It is the most efficient way to cover your physical business location and basic operations.
What It Covers
A BOP covers your owned or leased office and warehouse buildings, business personal property like office furniture and computers, tools and equipment stored at your premises, and business income lost if a covered event shuts down your operations. The GL component covers third-party bodily injury and property damage claims. If a fire damages your office and shop, the BOP covers the building repairs, equipment replacement, and income you lose while the space is rebuilt.
What It Does Not Cover
A BOP does not cover vehicles, professional liability, pollution, workers compensation, or flood and earthquake damage. Tools and equipment taken to job sites require inland marine coverage. The GL within a BOP may have lower limits than a standalone GL policy, which matters for contract compliance. Most BOPs are designed for smaller operations and may not accommodate roofing contractors above $5M in revenue.
Real Claim Examples
A pipe bursts in your office over a holiday weekend, destroying computers, estimating records, and $30,000 in office equipment — the BOP covers property damage and the extra expense of operating from a temporary location. A break-in at your warehouse results in $20,000 in stolen hand tools and safety equipment stored on premises. Lightning strikes your shop and starts a fire that damages your material storage area, costing $65,000 in building repairs and contents replacement.
How Much It Costs
BOPs for commercial roofing contractors typically cost $3,000 to $10,000 annually depending on the property values insured, location, and revenue size. They are most cost-effective for contractors with under $3M in revenue and modest property exposures. Larger operations generally need standalone property and GL policies to get adequate limits and coverage breadth.
Why Work With Us for This Coverage
We help roofing contractors determine whether a BOP or standalone policies make more sense for their operation size. For those who qualify, we find BOP programs that include broader coverage extensions like equipment breakdown and hired auto — extras that generic BOPs often omit.
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