Roofing contractor insurance that covers the job, the crew, and the claim.
General liability with completed operations, workers' compensation for roofing crews, commercial auto, tools and equipment, umbrella, contractors pollution liability, and surety bonds — purpose-built for roofing contractors. A-rated carriers. 15-minute quotes.
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Roofing contractors insured — residential, commercial, and specialty roofers
NPN #8608479
Licensed all 50 states
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Roofing-knowledgeable agents
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
Coverage built specifically for roofing contractors.
Standard business policies miss completed-operations exposure, under-rate roofing workers' comp, and leave tools and equipment gaps. We build programs designed for working roofers.
Not sure what you need? Get a coverage review →
The coverage gaps that cost roofing contractors the most.
Most agents hand a roofer a generic contractor policy and call it done. Then a completed-operations claim hits three years later, a crew member falls, or tools get stolen off a trailer — and the exclusion kicks in. We underwrite the parts of roofing coverage everyone else leaves out.
Run by people who know the trades
Contractors Choice Agency was founded in 2005 by Josh Cotner, who came from the trades. We understand roofing operations, class codes, and what happens when a GL policy doesn't have the completed-operations tail a roofer actually needs.
GL with proper completed-operations tail
Standard contractor policies let completed-ops coverage lapse when the policy renews. We structure GL so the tail extends correctly — protecting you from latent defect and water-intrusion claims years after a project closes.
Workers' comp with correct roofing class codes
Roofing is high-hazard. Wrong class codes mean overpayment or undercoverage — and audit surprises. We assign codes to your actual crew types so the program is accurate from day one.
Tools and equipment coverage that follows the crew
Job-site theft, in-transit damage, and accidental loss of nail guns, compressors, and staging leave roofers exposed. Our inland marine covers tools wherever the crew goes.
Umbrella that satisfies GC requirements
General contractors increasingly require $5M or $10M umbrellas from roofers. We place umbrella coverage that coordinates with your GL and auto and meets the certificate requirements you're handed.
CPL for asphalt and solvent exposure
Hot asphalt, adhesives, and solvents create pollution exposure most GL policies exclude. We place contractors pollution liability specifically for roofing operations — including asbestos disturbance on tear-offs.
Run by a former contractor
Josh Cotner knows how trade operations work and what happens when coverage fails at claim time — on the roof and off.
From quote request to bound policy in about a day.
No two-week back-and-forth. A real conversation, real markets, and a program you can actually understand — built around your roofing operation, crew size, and project types.
Tell us about your roofing operation
15-min call or form. Number of crews, payroll, residential vs. commercial mix, states you work in, and the coverage lines you need.
We shop specialty contractor markets
Niche markets that actually write roofing GL with proper completed-operations tails and correct workers' comp class codes — not generic contractor programs.
Bind a program built for roofing
GL + workers' comp + commercial auto + tools and equipment, coordinated so there are no gaps across your operation and your certificates are compliant.
Claims support that moves fast
When a completed-ops claim, a crew injury, or a tools theft arrives, you reach a person with context — not a queue. 2-hour response.
Or call 844-967-5247 — usually answered live.
Roofing contractor coverage. All 50 states.
From Texas and Florida storm markets to Northeast urban roofers and West Coast commercial contractors, Contractors Choice Agency writes roofing insurance in every state.
- Texas — Dallas, Houston, San Antonio — hail-season storm market
- Florida — Miami, Tampa, Orlando — hurricane and storm restoration
- Southeast — GA, SC, NC, TN — storm season and year-round residential
- Midwest — IL, OH, MI, IN — hail, freeze-thaw, and full-service roofers
- Southwest — AZ, NV, NM, CO — UV, monsoon, and commercial flat roof
- Mountain West — CO, UT, ID, MT — snow-load and steep-pitch residential
- Northeast — NY, PA, NJ, MA — urban high-value and commercial projects
- Pacific West — CA, OR, WA — seismic, wildfire, and strict licensing
National coverage for roofing contractors.
Writing roofing programs in all 50 states since 2005.
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Roofing contractors insured nationwide
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Years insuring trade contractors
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Average quote turnaround
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States licensed & writing
Roofers who found coverage that actually pays.
“A completed-operations claim came in 3 years after a reroof job — the homeowner alleged water intrusion from improper flashing. Our policy was structured with the right completed-ops tail and the claim was defended without a gap. This agency knows roofing coverage.”
Marcus D.
Roofing Contractor · Texas
“We had a crew member fall from a second-story roof and break his arm. Workers' comp was structured correctly for roofing class codes so the claim was handled without dispute and he got care fast. These guys understand roofing.”
Sandra K.
Operations Manager · Florida
“Our tools trailer got broken into at a job site — nail guns, compressors, generators, all gone. The inland marine claim was paid within a week. Having tools coverage that actually covers theft off-premises made all the difference.”
Joel R.
Owner-Operator · Ohio
Roofing contractor insurance, in plain English.
A roofing contractor typically needs general liability with completed operations, workers' compensation, commercial auto, tools and equipment (inland marine), commercial umbrella, and often contractors pollution liability and surety bonds. Most roofers carry all of these as one coordinated program.
Cost depends on number of crews, annual payroll, revenue, residential vs. commercial mix, states worked, and loss history. Owner-operators may pay a few thousand a year; larger multi-crew operations with commercial exposure run considerably more. We quote your actual operation in about 15 minutes.
Roofing is classified as high-hazard because of fall exposure, heat, and equipment risks. Workers' comp rates reflect the real injury frequency of the trade. Correct class codes and an experienced carrier are key — wrong codes mean you overpay or end up with audit surprises.
Roofing workers typically fall under codes 5551 (roofing — all kinds) or related subcategories depending on the type of roofing work. The exact code depends on your state and the specific tasks your crew performs — installation, repair, commercial flat, residential shingle, and so on. We assign codes to your actual workflow.
Yes — but only if the policy is structured correctly. GL covers completed-operations liability for property damage or injury that surfaces after a project is finished — like a water-intrusion claim from improper flashing. Many cheap policies have inadequate limits or lapsing tails on completed ops.
A completed-operations claim arises when damage or injury occurs after the job is done — the most common example is a homeowner claiming water intrusion or structural damage months or years after a roofing project was completed. GL with proper completed-operations coverage defends and pays these claims.
Yes. If employees drive personal vehicles on roofing business, you need hired and non-owned auto (HNOA) on your commercial auto policy. Without it, an at-fault accident in a personal truck driven for roofing purposes could leave your business exposed.
Inland marine (tools and equipment) covers nail guns, air compressors, generators, ladders, scaffolding, staging, and hand tools your crews carry to job sites. It covers theft off-premises, accidental damage, and mysterious disappearance — exposures your property policy almost certainly won't cover at a job site.
Often yes — especially if you work for general contractors who require $5M or $10M umbrella limits on their certificates of insurance. An umbrella extends your GL and auto limits at a relatively low cost per million of additional coverage.
CPL covers bodily injury and property damage from pollutants released during roofing operations — hot asphalt fumes, solvents, adhesives, coatings, and asbestos disturbed during tear-off of old roofing. Standard GL has a pollution exclusion; CPL fills that gap.
It depends on your state and jurisdiction. Many states require roofing contractors to carry a license bond as a condition of licensure. Some project owners or GCs also require bid and performance bonds. We place these quickly and coordinate them with your insurance program.
Only if your policy is structured to include them. If you use subcontractors, your GL should include a subcontractor endorsement or your policy should name them as additional insureds. You should also require subs to carry their own GL and workers' comp and provide certificates.
Often yes. We have admitted and E&S markets for roofers declined over loss history, prior workers' comp claims, or high-hazard exposure. Bring us your situation and we'll find a market.
Workers' compensation covers the worker's medical treatment and lost wages. General liability protects against third-party claims. If the injury happened because of a safety failure, employers' liability (Part B of workers' comp) and your GL cover the legal exposure. Proper coverage on both fronts is essential.
In most states, yes. A certificate of insurance showing at minimum GL and workers' comp is required for roofing contractor licensure. Many states also require a license bond. We handle both so you can complete your licensing requirements with one call.
Roofing crews are typically classified by the type of work performed — residential shingle installation, commercial flat roofing, repair, tear-off. Correct classification is critical because roofing rates vary significantly by task type and the audit risk for misclassification is high.
Yes. Contractors Choice Agency is licensed in all 50 states and has markets for roofing contractors whether you're in Texas, Florida, the Midwest, or anywhere in between.
Typically 15 minutes on a call. Larger programs with high payroll or complex commercial exposure may take a day or two with certain markets, but we move fast and set expectations up front.
Usually yes. Bundling GL, workers' comp, commercial auto, and tools into one coordinated program closes gaps between policies and is almost always cheaper and cleaner than separate policies from separate carriers.
Minimum GL limits of $1M per occurrence / $2M aggregate are standard for most roofing licenses and GC certificates. Workers' comp limits are set by state law. Umbrella is often required at $5M or more by commercial GCs. We help you size limits to your actual exposure and certificate requirements.
Protect Your Roofing Business with coverage built for the trade.
Whether you need GL today or a full program — workers' comp, auto, tools, umbrella, and CPL — one call gets you real quotes from specialty contractor markets. Not a voicemail and a two-week wait.
No obligation. No spam. Licensed all 50 states.