Coverage lines

Insurance built line-by-line for roofing contractors.

Each policy below addresses a specific exposure in roofing contracting — from the completed-operations tail a standard GL misses to the tools-and-equipment coverage your crew needs on every job site.

Essential coverage

General Liability Insurance

The foundation of every roofing contractor's program. Covers third-party bodily injury and property damage during operations — and the completed-operations tail that extends years after a project is finished, covering latent defect and water-intrusion claims.

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Workers' Compensation

Roofing ranks among the highest-hazard trades — falls from heights, nail gun injuries, heat exposure. We place workers' comp with carriers that understand roofing operations and assign correct class codes for roofing labor.

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Commercial Auto Insurance

Coverage for the pickups, flatbeds, box trucks, and trailers your crew drives to every job — including hired and non-owned auto when employees use their own vehicles for roofing business.

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Tools & Equipment Coverage

Inland marine coverage for nail guns, air compressors, generators, ladders, scaffolding, and staging equipment. Covers theft, accidental damage, and mysterious disappearance at job sites, in transit, and at your shop.

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Commercial Umbrella Insurance

An umbrella policy sits above your general liability and commercial auto, providing additional limits when a single claim exhausts the underlying coverage. Essential for roofers with larger project exposures or GC certificate requirements.

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Commercial Property Insurance

Covers your office, warehouse, storage yard, and business personal property inside them — including inventory, materials in storage, and office equipment. Built for roofing contractors who operate from a fixed location or yard.

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Contractors Pollution Liability

Roofing involves hot asphalt, solvents, adhesives, and coatings that create pollution exposure. CPL covers third-party bodily injury and property damage from pollutants released during roofing work — including asbestos disturbance on tear-offs.

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Surety Bonds & Licensing

Many states require roofing contractors to carry a license bond. We place contractor license bonds and bid/performance bonds quickly — coordinated with your insurance program for a single point of contact.

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Not sure which lines you need?

Most roofing contractors bundle GL + workers' comp + commercial auto + tools and equipment into one coordinated program. We'll build the right mix in one call.

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