RiskThoughts
Original analysis of the insurance market, underwriting, contracts, fleet, workers' compensation and claims as they affect roofing contractors.
Insurance Market
Excess markets have narrowed terms for roofing risks. Documentation is deciding who keeps their limits.
Excess markets have narrowed the terms they offer roofing risks. The contractors holding their limits are the ones who can document subcontractor controls and driver quality.
Wyatt Duncan · September 2026 · 6 min read
Subcontractor Risk
Collecting certificates satisfies an administrative requirement. It does not establish the contractual position a roofing contractor needs when a subcontractor's work causes a loss.
Wyatt Duncan · September 2026 · 5 min read
Workers Compensation
The modification multiplies every workers' compensation dollar for three years, and it is calculated from data the contractor supplied. Accuracy alone frequently improves it.
Wyatt Duncan · September 2026 · 5 min read
Fleet
Commercial auto severity has reset how carriers price contractor fleets. For roofing contractors, the driver qualification file has become an underwriting document.
Wyatt Duncan · September 2026 · 5 min read
M&A / Private Equity
For owners contemplating a future transaction, insurance performance is examined as an indicator of future operating cost and enterprise risk.
Wyatt Duncan · September 2026 · 5 min read
