Surety Bonds & Licensing for roofing contractors

A license bond guarantees your compliance with laws and regulations — it protects the state and public. Insurance (GL, workers' comp) protects your business and third parties from claims. Both are usually required; we provide both.

Performance bond cost depends on the bond amount, your credit, and the project. Most contractor license bonds are modest in cost. Performance bonds for larger projects are typically a percentage of the contract value — we quote these separately based on the project.

Often yes. We work with surety markets that can accommodate contractors with less-than-perfect credit for license bonds, though performance bonds for large projects typically require stronger financials. Tell us your situation and we'll find a path.

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.