General Liability Insurance for roofing contractors

A completed-ops claim arises after the project is done — the most common example is a homeowner claiming water intrusion or structural damage months or years after a roofing project. GL with proper completed-ops coverage defends and pays these claims.

In most states, yes. A certificate showing GL coverage at minimum required limits is a condition of roofing contractor licensure. We structure the policy to meet your state's licensing requirements.

GL is the primary layer; umbrella sits above it and extends limits when a single claim exhausts the GL. If GCs require $5M or more, the umbrella fills the gap above your $1M or $2M GL.

Only with the right endorsement. Your GL should include subcontractor coverage and you should require subs to provide certificates naming you as additional insured. We structure GL to reflect your actual subcontractor usage.

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.