The work described on the policy
Disclose the types of roofs, heights, materials and methods used. Check whether exclusions or classification conditions apply to particular operations, and whether changes in work must be reported.
Business insurance
Roofing contractor insurance
Roofing operations need a careful review of work at height, subcontractors, materials and completed work. Available terms depend on the insurer and operation.
Understanding your options
What to know about roofing contractor insurance
Roofing contractors can face third-party property damage and injury claims, employee injuries and equipment losses. General liability, workers' compensation, vehicles and equipment are separate subjects whose policy terms must be reviewed.
What to compare
- Check height, roofing method and subcontractor restrictions
- Compare completed-operations and work exclusions
- Review tools, employee and vehicle coverage separately
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
How to compare your options
Subcontractors and completed work
Ask about subcontractor insurance documentation, additional insured requests and how completed operations are treated. A certificate summarizes information but does not amend the policy by itself.
People, tools and vehicles
Work-related employee injuries, ladders and tools, and vehicles used to move crews involve different coverage questions. Review workers' compensation, equipment and commercial auto independently.
Before you reach out
A few details can help start the conversation.
- Describe residential or commercial work
- Identify employees and subcontractors
- List contract and certificate requirements
Common questions
Roofing contractor insurance FAQ
Does general liability cover every roofing mistake?
No. Review the policy's covered claims, exclusions for the insured's work and completed-operations wording. Contractual responsibility does not automatically mean insurance applies.
Are subcontractors automatically covered?
Not necessarily. Read the insured definition and subcontractor conditions, and verify each subcontractor's own coverage where appropriate.
Does the policy cover tools away from the office?
Do not assume so. Ask about scheduled equipment or inland marine protection, locations and theft limitations.
Is an employee injury a general liability claim?
Employee injury exposures require separate review, including workers' compensation and employer liability as applicable. The CGL policy may exclude employee injuries.
Start a conversation
Ask about roofing contractor insurance.
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.