Tools & Equipment Coverage for roofing contractors

Yes — inland marine covers theft of tools at job sites, including theft from locked vehicles parked at or near a job site. Many roofing contractors discover this gap after a break-in because they assumed their property policy covered it.

It depends on your tool inventory. We help you build a schedule of your key tools and equipment so the limit reflects what it would cost to replace them — not a guess or a generic number.

Rented equipment can often be added to an inland marine policy. Let us know if you regularly rent compressors, lifts, or staging equipment — coverage can be structured to include rented items in your care, custody, or control.

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.