Capabilities
Insurance built around roofing operations.
Each line below is positioned around the way roofing contractors generate exposure: at height, on subcontracted crews, on the road and in the contracts they sign.
Casualty
The core liability structure of a roofing program, and where wording matters most.
General Liability
Roofing general liability turns on completed operations, open roof and water intrusion wording, subcontractor warranties, height limitations and residential exclusions. Two policies with identical limits can behave very differently at claim.
Umbrella & Excess Liability
Contract requirements and fleet exposure drive limit demands. Excess markets scrutinize subcontractor controls, driver quality and loss history before supporting meaningful capacity.
Pollution Liability
Hot work, adhesives, solvents, fumes, debris and water damage create exposures that standard liability forms often restrict for roofing operations.
Property
Buildings, yards, materials and the equipment your crews depend on.
Commercial Property
Shops, offices, yards and stored materials, including the coinsurance and valuation decisions that surface after a loss.
Inland Marine & Equipment
Kettles, hoists, conveyors, hand tools, trailers and installation floaters for materials in transit or staged at the job site.
Builders Risk
Project-specific exposure on new construction and major re-roof work, including installation and water damage considerations.
Automobile
For most roofing contractors, fleet is one of the largest severity drivers.
Commercial Auto
Trucks, trailers, dump bodies, crane and boom units, hired and non-owned exposure, and the driver selection and telematics practices carriers now expect.
Workers Compensation
Height, classification and experience modification control the long-term cost.
Workers' Compensation
Roofing class codes carry some of the highest rates in construction. Classification accuracy, payroll allocation, subcontractor treatment at audit, return-to-work programs and experience modification management change what you pay.
Executive & Professional Risk
Exposures tied to leadership decisions, employment practices and data.
Management Liability
Directors and officers exposure for growing, acquisitive or private equity-backed roofing platforms.
Employment Practices Liability
Hiring, wage and hour, classification and harassment claims across a distributed field workforce.
Cyber Liability
Funds transfer fraud, ransomware and business email compromise, common against contractors moving large progress payments.
Professional Liability
Design-assist, system specification, consulting and contractual professional services obligations.
Specialty Coverage
Coverage added for how a specific roofing company operates.
Program Extensions
Rigging and lifting, drone operations, subcontracted labor endorsements, crane liability and storm restoration considerations, structured to the operation.
Surety
Bonding capacity is a growth constraint as often as a compliance requirement.
Surety & Bonds
Bid, performance, payment, supply and license bonds, supported by work with your CPA and banking relationships to build durable capacity.
Coverage availability, terms, limits and pricing vary by account, carrier, underwriting result and jurisdiction. Policy language governs in all cases. This page is a general description, not advice or an offer of coverage.
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