Industrial Roofing Contractor Insurance
Industrial roofing contractors work on refineries, chemical plants, power generation facilities, manufacturing plants, and heavy industrial structures. This sub-trade faces the most severe height exposure in the roofing industry combined with proximity to hazardous processes, confined spaces, and facility owner requirements for high liability limits that make standard roofing programs inadequate.
Risks Specific to This Sub-Trade
Working heights on industrial structures commonly exceed 50-100 feet with limited fall protection anchor points, creating catastrophic fall exposure. Proximity to operating chemical processes, steam lines, and electrical infrastructure adds injury severity beyond normal roofing work. Facility owners typically require $5M-$25M in umbrella limits and additional insured status with primary/non-contributory wording. Damage to operating industrial equipment or production interruption from roofing debris or water intrusion generates business income claims that dwarf typical property damage.
Coverages This Sub-Trade Needs
Carriers That Write This Sub-Trade
Industrial roofing requires E&S market placement almost exclusively. Kinsale, Nautilus, and Liberty Mutual specialty handle primary GL. Excess towers are built through London markets, Berkshire Hathaway Specialty, and AIG for limits above $5M. Workers comp for industrial roof work at height is available through Employers Holdings, Zenith, and state funds. Carriers require site-specific safety plans and OSHA 30-hour trained crews.
What Disqualifies an Account
Contractors without documented confined space entry procedures, hot work permits, and site-specific safety plans cannot access industrial work. EMR above 1.2 eliminates most options given the severity potential. Inability to provide $5M+ umbrella limits excludes contractors from most industrial facility bid lists. Lack of OSHA 30-hour training for all field personnel is a non-starter. Any fatality in the past 5 years is an automatic declination.
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