Commercial Property Insurance for roofing contractors
Covers your office, warehouse, storage yard, and the 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.
What it covers
- Office, warehouse, and storage yard structures
- Business personal property, inventory, and office equipment
- Roofing materials and supplies in storage
- Sign and exterior property
- Business interruption following a covered loss
- Debris removal and restoration costs
Who it's for
- Roofing contractors with an owned or leased office or yard
- Operations with significant material inventory in storage
- Contractors whose location was not covered by a BOP or prior policy
- Roofers adding property coverage to an existing GL + workers' comp program
Why CCA
- Property valued at replacement cost — not actual cash value
- Roofing material inventory included in the schedule
- Business interruption with a restoration period that fits contractor reality
Common questions about commercial property insurance
Yes — if the materials are scheduled and valued correctly. We include roofing material inventory in the property program so a theft, fire, or storm at your yard doesn't leave you with uninsured stock.
Replacement cost. ACV pays the depreciated value — for roofing equipment and materials, depreciation can significantly reduce the payout. Replacement cost covers what it actually takes to rebuild or restock after a loss.
Yes — business interruption replaces lost income during the restoration period after a covered property loss. For a roofing operation, this covers the time it takes to get your office, yard, and operations back up and running.
Cost is driven by crew count, payroll, revenue, job types, states worked, and loss history. We quote your actual operation in about 15 minutes — never a ballpark from a generic form.
Yes. Contractors Choice Agency is licensed in all 50 states and writes roofing programs nationwide — Texas, Florida, the Southeast, Midwest, Southwest, and everywhere roofing contractors work.
Typically 15 minutes on a call. Larger programs may take a day or two with certain markets, but we move fast and set expectations up front.
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.
Usually yes. A coordinated program closes gaps between policies and is typically cheaper than separate policies from separate carriers — and far easier at claim time.
A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated carriers so the coverage is there when a completed-ops claim, crew injury, or tools theft hits.
Only with the right endorsement. If you use subs, your GL should include a subcontractor provision and you should require subs to provide certificates. We structure coverage to reflect your actual subcontractor usage.
Roofing workers are typically classified under code 5551 and related codes depending on job type. Correct classification is critical for accurate workers' comp rating and avoiding audit surprises.
Number of crews, payroll, annual revenue, job type mix (residential vs. commercial, installation vs. repair), states worked, current coverage, and loss history. The more detail, the more accurate the quote.
Yes — if structured correctly. Completed-operations coverage on GL covers claims that arise after the project is finished, like water intrusion from improper flashing. We make sure the tail is structured so it doesn't lapse.
Often yes — especially if general contractors require $5M or higher limits on your certificates. An umbrella extends your GL and auto limits at a relatively low cost per million.
Yes — inland marine (tools and equipment) follows the crew and covers tools at job sites, in transit, and at your shop. Standard property coverage typically does not extend to off-premises job sites.
Yes. We build programs that cover all your crews, locations, and subcontractor relationships under one coordinated policy structure with no gaps.
Yes. We write programs for new roofing businesses — helping you get the GL and workers' comp you need for licensure and certificate compliance from day one.
Pair it with related coverage
Ready to protect your roofing business?
Get a 15-minute quote from specialists who understand roofing — completed operations, crew workers' comp, tools theft, and the coverage your certificates require.