What insurance do roofing contractors need?

Roofing contractors need General Liability ($1M-$2M), Workers Compensation (mandatory in most states), Commercial Auto, and specialized coverages like Hot Work liability for torch-down operations and Inland Marine for tools and equipment.

How much does roofing contractor insurance cost?

General Liability costs $400-$2,500 annually, Workers Compensation averages $2,500 per roofer per year, and Commercial Auto runs $1,200-$4,000 per vehicle. Total annual costs typically range from $5,000-$25,000 depending on business size and operations.

Does roofing insurance cover fall accidents?

Workers Compensation insurance covers employee fall injuries including medical costs and lost wages. General Liability covers falls by non-employees like customers or visitors. However, claims may be denied if proper fall protection equipment wasn't being used per OSHA requirements.

What is hot work coverage for roofers?

Hot work coverage protects against fire damage from torch-down roofing, welding, heat guns, and other flame/heat operations. Standard GL policies often EXCLUDE fire from hot work, making this specialized endorsement critical for modified bitumen and torch-applied roofing contractors.

CALL 844-967-5247 (844-WORK-247) FOR A QUICK QUOTE.

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Licensed in 48+ States | A+ Rated Carriers

Roofing Contractor Insurance That Actually Covers Your Risks

Name: Contractor's Choice Agency
Address: 12220 E Riggs Rd, Chandler, AZ, 85249, US
Telephone: 844-967-5247
Price range: $$

Specialized coverage for fall hazards, hot work operations, weather damage, and material liability. From tear-offs to solar installations - get protected today.

Get Your Free Quote Call 844-967-5247

$400+

Annual GL Starting

48+

States Licensed

24hr

Certificate Delivery

20+ yrs

Industry Experience

Complete Coverage Guide

Navigate this comprehensive guide to roofing contractor insurance with our quick-jump table of contents:

Types of Roofing Insurance Coverage Detailed Coverage Breakdown State-Specific Requirements Cost Analysis & Pricing Factors Common Claims Scenarios Risk Management Strategies Fall Protection Requirements Material Liability Concerns Subcontractor Requirements Weather-Related Exposures Hot Work & Fire Risks Certificate of Insurance How to Choose the Right Policy Frequently Asked Questions

Roofing Industry By The Numbers

Understanding the risks and opportunities in the roofing industry

$59B

2024 US Roofing Market Size

Projected to reach $75B by 2029

34%

Of All Construction Fatalities

Falls are the #1 cause of roofing deaths

$42K

Average Workers Comp Claim

Roofing has 2nd highest injury rate

150K+

Roofing Contractors in US

With 500K+ employed roofers

Complete Roofing Insurance Coverage Types

From essential liability protection to specialized hot work coverage - here's everything roofing contractors need to stay protected.

General Liability Insurance

CRITICAL COVERAGE

Covers third-party bodily injury, property damage, and completed operations claims.

Coverage Limits

$1M - $2M per occurrence

Typical Cost

$400 - $2,500 annually

Key Features & Benefits

•Property damage from falling materials or equipment
•Third-party injuries on job sites
•Advertising injury and personal injury claims
•Completed operations for roof leaks and defects
•Products liability for roofing materials

Workers' Compensation

CRITICAL COVERAGE

Mandatory in most states, covers medical expenses and lost wages for employee injuries.

Coverage Limits

Statutory limits by state

Typical Cost

$3,000 - $15,000+ annually

Key Features & Benefits

•Medical treatment for fall injuries
•Lost wages during recovery
•Permanent disability benefits
•Death benefits for fatal falls
•Employer liability protection

Commercial Auto Insurance

CRITICAL COVERAGE

Covers vehicles used for roofing operations including material transport and equipment hauling.

Coverage Limits

$1M Combined Single Limit

Typical Cost

$1,200 - $4,000 per vehicle

Key Features & Benefits

•Liability for accidents while hauling materials
•Physical damage to work trucks and trailers
•Coverage for tools and equipment in transit
•Hired and non-owned auto coverage
•Medical payments for passengers

Inland Marine / Tools & Equipment

Protects expensive roofing equipment, tools, and materials against theft, damage, and loss.

Coverage Limits

Up to $500K equipment value

Typical Cost

$500 - $2,000 annually

Key Features & Benefits

•Coverage for nail guns, compressors, saws
•Protection for ladders, scaffolding, safety equipment
•Materials in transit and on-site
•Theft from job sites and vehicles
•Breakdown coverage for specialized equipment

Builders Risk Insurance

Project-specific coverage for large commercial roofing projects during construction.

Coverage Limits

100% of project value

Typical Cost

1% - 5% of project cost

Key Features & Benefits

•Weather damage to materials before installation
•Theft of materials from active job sites
•Vandalism and malicious mischief
•Temporary structures and protective equipment
•Coverage until substantial completion

Commercial Property Insurance

Protects your business location, warehouse, and permanently installed equipment.

Coverage Limits

Based on property value

Typical Cost

$800 - $3,000 annually

Key Features & Benefits

•Building coverage for owned locations
•Business personal property
•Inventory and material storage
•Business income and extra expense
•Equipment breakdown coverage

Professional Liability / E&O

Covers design errors, roof specification mistakes, and professional advice claims.

Coverage Limits

$1M - $2M per claim

Typical Cost

$1,000 - $3,500 annually

Key Features & Benefits

•Errors in roof system design or specifications
•Failure to meet building code requirements
•Inadequate ventilation design claims
•Improper material selection
•Negligent inspection or consultation

Hot Work & Fire Legal Liability

CRITICAL COVERAGE

Essential coverage for torch-down roofing, welding, and other hot work operations.

Coverage Limits

$500K - $1M fire damage

Typical Cost

Included in GL or $500+ extra

Key Features & Benefits

•Fire damage to client property from hot work
•Torch-down roofing fire liability
•Welding and soldering operations
•Heat gun and propane torch coverage
•Adjacent property fire damage

Umbrella / Excess Liability

Additional liability limits above primary policies for catastrophic claims.

Coverage Limits

$1M - $5M additional

Typical Cost

$400 - $1,500 annually

Key Features & Benefits

•Extended limits for major fall incidents
•Protection against multi-million dollar lawsuits
•Coverage above GL and auto policies
•Worldwide coverage in most cases
•Defense cost coverage

Understanding Your Roofing Insurance Coverage

Detailed breakdown of what's covered, what's excluded, and the limits you actually need

General Liability Coverage - What's Actually Protected

COVERED Scenarios

✓Shingles or materials falling and damaging neighbor's property or vehicles
✓Customer trips over equipment and suffers injury
✓Roof leaks after installation due to workmanship errors
✓Damage to interior furnishings from tear-off debris
✓Legal defense costs even if claim is fraudulent
✓Product liability for defective materials you installed

NOT COVERED Scenarios

✗Injuries to your own employees (need Workers Comp)
✗Damage to property in your care, custody, or control before acceptance
✗Professional design errors (need E&O coverage)
✗Intentional damage or criminal acts
✗Pollution without pollution liability endorsement
✗Business vehicle accidents (need Commercial Auto)

Workers Compensation - Critical Protection Details

Roofing has one of the highest workers compensation rates in construction due to severe fall risks. Understanding your coverage is critical:

Part A: Medical Benefits

Covers 100% of medical costs for work-related injuries including emergency care, surgery, rehabilitation, and ongoing treatment. No deductibles or copays for employee.

Part B: Indemnity Benefits

Provides wage replacement at typically 66.67% of average weekly wage for time missed from work. Benefits continue until employee can return to work or reaches maximum medical improvement.

Part C: Employer's Liability

Protects against lawsuits from employees or their families. Common limits are $100K/$500K/$100K but many contracts require $1M for roofing work.

Critical: Class Code Accuracy

Roofing class codes (5551 for metal, 5552 for shingle/tile) have rates 3-5x higher than general construction. Misclassification leads to massive audits. Make sure your payroll is split correctly between roofing, ground labor, and administrative roles.

Hot Work Coverage - Essential for Torch-Down & Modified Bitumen

Standard general liability policies often EXCLUDE fire damage from hot work operations. If you perform torch-down roofing, welding, or use heat guns, you MUST have specific hot work coverage.

Why Hot Work Is Excluded

•High frequency of fire claims from torch operations
•Severity of damage - entire buildings can be destroyed
•Delayed ignition - fires can start hours after work completed
•Adjacent property damage - fire spreads to neighboring units

Hot Work Coverage Solutions

✓Fire Legal Liability endorsement on GL policy
✓Standalone Hot Work liability coverage
✓Project-specific fire legal liability for large jobs
✓Typical limits: $500K - $1M per occurrence

Special Considerations:

General Contractor or Roofing Contractor license required. Hurricane exposure requires adequate completed ops coverage.

Multi-State Operations Require Careful Planning

If you perform roofing work across state lines, you need to ensure your insurance meets EACH state's requirements. Some states require separate certificates showing state-specific coverage. CCA is licensed in 48+ states and can structure policies that comply with multi-state operations.

Get Multi-State Quote

Roofing Insurance Cost Breakdown & Calculator

Get an estimate of your annual insurance costs based on your business size and operations

Calculate Your Costs

Annual Revenue: $250,000

$50K$2M

Number of Employees: 5

120

Business Vehicles: 2

110

Estimated Annual Costs

General Liability$800

Based on $250,000 revenue

Workers Compensation$12,500

5 employees @ ~$2,500 average

Commercial Auto$3,000

2 vehicles @ ~$1,500 each

Tools & Equipment$800

Inland marine coverage

Total Annual Cost$17,100

Approximately $1,425/month on payment plan

Get Accurate Quote

Factors That Increase Roofing Insurance Costs

Roofing Type

•Commercial/flat roofing: Higher rates
•Steep slope/high-rise: Significant premium increase
•Torch-down/hot work: Requires special coverage
•Metal roofing: Moderate rates

Experience & Claims

•Less than 3 years experience: 20-40% higher
•Recent claims: Can double premiums
•Multiple GL claims: Harder to place coverage
•Workers comp claims: Increase mod factor

Location & Operations

•Hurricane zones: Much higher completed ops
•High-hail states: Increased material claims
•Urban areas: Higher auto insurance rates
•Multi-state work: Additional compliance costs

Real-World Roofing Insurance Claims Scenarios

Learn from actual claims to understand what's covered and how to prevent costly incidents

Fall from Roof During Tear-Off

Workers Compensation Claim$125,000

What Happened:

Roofer fell 22 feet through unsecured plywood during tear-off. Suffered fractured vertebrae requiring surgery. Out of work for 9 months.

What Insurance Covered:

✓All medical expenses including emergency care, surgery, and rehabilitation
✓66.67% of wages during recovery period ($40,000)
✓Permanent partial disability settlement ($65,000)
✓Legal defense against family's third-party lawsuit

Prevention Strategies:

•Implement comprehensive fall protection plan with guardrails or personal fall arrest systems
•Daily safety briefings on roof access and working conditions
•Proper employee training on identifying unsafe decking
•Never allow work in wet or icy conditions without proper safety measures

Shingles Damage Neighbor's Luxury Vehicle

General Liability Claim$42,000

What Happened:

During tear-off, workers threw shingles off roof edge without chute. Debris severely damaged neighbor's $85,000 Tesla parked in adjacent driveway.

What Insurance Covered:

✓Full vehicle repair costs ($38,000)
✓Diminished value claim ($3,500)
✓Legal defense fees ($2,800)
✓Loss of use rental car expenses

Prevention Strategies:

•Always use dump chutes or tarps to contain falling debris
•Establish debris zones and barricade surrounding areas
•Take photos of neighboring properties before starting work
•Communicate with neighbors about work schedule and potential hazards
•Use ground protection tarps for high-value property areas

Torch-Down Fire Spreads to Entire Building

Fire Legal Liability / Hot Work Claim$380,000

What Happened:

Crew finished torch-down application at 3pm. Fire started at 8pm when smoldering tar ignited insulation. Destroyed roof and caused severe smoke damage to 6 condo units.

What Insurance Covered:

✓Property damage to building structure ($220,000)
✓Smoke damage to 6 condo units ($145,000)
✓Temporary relocation costs for residents
✓Legal defense against negligence lawsuit

Prevention Strategies:

•Implement hot work fire watch for minimum 4 hours after completion
•Have charged fire extinguishers immediately accessible
•Clear all combustibles from work area
•Install fire-resistant barriers between torch work and combustible materials
•Never perform hot work in high wind conditions
•Obtain hot work permits from building owners/managers

Roof Leak After Installation Damages Interior

Completed Operations / Products Liability$67,000

What Happened:

Improper flashing installation around HVAC unit caused water intrusion during first heavy rain. Damage to drywall, flooring, and $20,000 antique furniture collection.

What Insurance Covered:

✓Repair/replacement of damaged interior finishes
✓Furniture restoration or replacement
✓Re-roofing the defective section with proper installation
✓Temporary repairs and emergency tarping costs
✓Mold remediation if discovered early

Prevention Strategies:

•Detailed quality control inspections before final completion
•Photo documentation of all critical flashing installations
•Use manufacturer-certified installers for warranty compliance
•Conduct water tests on all penetrations before leaving job
•Provide customers with maintenance guidelines and inspection schedules

Worker Injured By Falling Materials

Workers Compensation Claim$88,000

What Happened:

Ground worker struck by bundle of shingles that slipped from crane during lift. Suffered severe head trauma despite wearing hard hat. Permanent cognitive impairment.

What Insurance Covered:

✓Emergency medical care and extended hospitalization
✓Permanent total disability benefits (lifetime payments)
✓Vocational rehabilitation services
✓Medical treatment for ongoing cognitive therapy

Prevention Strategies:

•Establish designated ground worker safe zones during crane operations
•Use tag lines on all crane lifts to control material bundles
•Inspect all rigging and hoisting equipment before each use
•Implement spotter system for crane operations
•Require high-visibility vests and hard hats in material delivery zones

Subcontractor Falls, Sues Contractor

General Liability Third-Party Claim$215,000

What Happened:

Uninsured subcontractor fell from ladder while installing gutters. Filed lawsuit against general roofing contractor for negligent supervision and unsafe work conditions.

What Insurance Covered:

✓Legal defense costs ($45,000)
✓Settlement payment ($165,000)
✓Court costs and expert witness fees
✓Mediation and arbitration expenses

Prevention Strategies:

•NEVER hire uninsured subcontractors - verify active coverage before work starts
•Require certificates of insurance with your company listed as additional insured
•Include contractual liability transfer language in all subcontracts
•Conduct site safety inspections and document subcontractor compliance
•Consider requiring subcontractors to carry $1M+ limits

Don't Wait Until a Claim Happens

These real-world scenarios demonstrate why proper insurance coverage is critical for roofing contractors. The costs of being uninsured or underinsured can bankrupt your business. CCA specializes in comprehensive roofing contractor coverage that protects you from these exact scenarios.

Get Protected Today Call 844-967-5247

Risk Management Strategies for Roofing Contractors

Reduce claims, lower premiums, and protect your business with these proven risk management practices

Safety Program Essentials

Written Safety Plan

Comprehensive safety manual covering fall protection, hot work procedures, equipment usage, and emergency protocols. Updated annually and reviewed with all employees.

Daily Toolbox Talks

15-minute safety meetings before each shift discussing day's hazards, weather conditions, specific risks for the project, and proper safety equipment usage.

OSHA 10/30 Training

All crew members complete OSHA 10-hour training minimum. Supervisors complete OSHA 30-hour. Maintain training records for insurance verification and compliance.

Incident Reporting System

Near-miss and incident reporting process that identifies hazards before they cause injuries. Monthly safety committee reviews trends and implements corrective actions.

Quality Control Measures

Multi-Point Inspections

Checklist-based inspections at tear-off completion, deck preparation, underlayment installation, flashing details, and final completion. Photos at each stage.

Manufacturer Certifications

Certified installers for major roofing systems. Maintains manufacturer warranties and demonstrates competency to insurance underwriters for better rates.

Weather Protocols

Mandatory work stoppage for wind above 20mph, rain, ice, or temperatures below manufacturer specifications. Protects workers and prevents defective installations.

Customer Communication

Daily project updates, photo sharing, pre-work walkthroughs documenting existing conditions. Prevents disputes and establishes clear expectations.

Equipment Maintenance & Inspection Program

Fall Protection Equipment

Monthly inspection of harnesses for wear, tears, and hardware damage
Annual recertification of lanyards and self-retracting lifelines
Immediate removal from service of any equipment involved in fall arrest

Ladders & Scaffolding

Pre-use inspection of ladders for cracks, bends, and loose hardware
Competent person inspects scaffolds before each shift
Tagging system for damaged equipment removal

Power Tools & Equipment

Weekly inspection of nail guns, compressors, and saws
Preventive maintenance on schedule per manufacturer
Lockout/tagout procedures for repairs and servicing

Insurance Benefits of Strong Risk Management

15-25%

Premium reduction with documented safety program

40-60%

Lower workers comp mod with fewer claims

Better

Access to quality carriers and expanded coverage options

Fall Protection Requirements for Roofing Contractors

Falls are the #1 killer in roofing. Understanding and implementing proper fall protection is critical for safety AND insurance coverage.

OSHA 1926.501 - Mandatory Fall Protection at 6 Feet

OSHA requires fall protection for ANY work on surfaces where employees could fall 6 feet or more. For roofing work, this means virtually ALL residential and commercial projects require fall protection systems. Violations can result in $15,625 fines PER INSTANCE, and serious/willful violations can exceed $156,000.

Insurance Impact: Workers comp claims for falls WITHOUT proper fall protection in place can be denied for gross negligence, leaving you personally liable for medical costs and disability payments.

Acceptable Fall Protection Systems

1. Guardrail Systems

Top rail at 42 inches, mid-rail at 21 inches, capable of withstanding 200 pounds. Best for flat/low-slope roofs.

Pros: No training required, protects multiple workers, stays in place

Cons: Time to install, materials cost, limited mobility

2. Personal Fall Arrest Systems (PFAS)

Full-body harness + lanyard + anchor point rated for 5,000 lbs. Most common for residential steep-slope roofing.

Pros: Mobile, works on steep slopes, relatively inexpensive

Cons: Requires training, proper anchor critical, only protects one worker

3. Safety Net Systems

Nets with max 6-inch mesh, installed max 30 feet below work surface. Used on larger commercial projects.

Pros: Catches falling workers/materials, covers large areas

Cons: Expensive, requires engineered support, limited applications

4. Warning Line Systems

Minimum 6 feet from edge on roofs with slopes 4:12 or less. Combined with safety monitoring system.

Pros: Quick to set up, low cost, good for flat roofs

Cons: Doesn't prevent falls, requires competent monitor, limited to low-slope

Residential Roofing Exemptions & Alternatives

1926.501(b)(13) - Residential Construction

On residential projects with slopes 8:12 or less, contractors can use a combination of guardrails, safety nets, OR personal fall arrest systems. If these are infeasible, you can implement a fall protection plan.

WARNING: "Infeasible" means physically impossible, NOT just inconvenient or expensive. OSHA scrutinizes this heavily.

Alternative Fall Protection Plan Requirements

•Written plan specific to each job site
•Prepared by qualified person
•Documentation why conventional fall protection is infeasible
•Alternative measures implemented (slide guards, roof jacks, etc.)
•Employee training on alternative methods
•Plan available on-site and reviewed with workers

Insurance Perspective on Exemptions

While OSHA may allow alternative fall protection plans, workers compensation insurers prefer documented use of PFAS or guardrails. Claims involving falls where only alternative methods were used face intense scrutiny and potential coverage challenges. CCA recommends using conventional fall protection whenever physically possible.

Common Residential Alternatives (When Allowed)

Slide guards / roof jacks with planking
Ridge hooks with rope grabs (not fall arrest, but positioning)
Chicken ladders for steep-slope access
Designated safety observer for warning line systems

Insurance Carrier Requirements Often Exceed OSHA Minimums

Many workers compensation carriers now require proof of fall protection training, written safety programs, and equipment inspection logs BEFORE they'll quote residential roofing contractors. CCA works with carriers that understand roofing operations and offer practical safety consultation services.

Free safety consultation from carrier loss control team

Safety equipment purchase programs with premium credits

Premium discounts for OSHA 30-hour certified supervisors

Material Liability & Defect Coverage

Understanding your liability for roofing materials - what's covered, what's not, and how to protect yourself

Products Liability Coverage

Your general liability policy includes "products-completed operations" coverage that protects you when materials you install cause damage or injury. However, there are critical limitations:

COVERED:

Damage to third-party property caused by defective shingles you installed. Example: Leaking roof damages customer's furniture and electronics.

COVERED:

Injuries caused by installed materials. Example: Shingles blow off in windstorm and injure neighbor.

NOT COVERED:

Cost to remove and replace the defective roofing material itself. This is considered "your work" and excluded.

NOT COVERED:

Materials still in your warehouse, on your truck, or not yet installed. Need inland marine coverage.

Manufacturer Warranty vs. Your Insurance

Understanding the interplay between manufacturer warranties and your contractor insurance is critical:

Material Defect Only

Manufacturer warranty covers only material defects - not installation errors. If shingles fail due to YOUR improper installation, manufacturer won't pay and your GL policy may not cover re-roofing costs.

Consequential Damage Exclusions

Most manufacturer warranties EXCLUDE consequential damages (water damage to interior, business interruption, etc.). Your GL policy DOES cover these - making your insurance the primary protection for your customer.

Installation Warranty Coverage

When you provide a workmanship warranty (1-5 years common), your GL completed operations coverage responds if warranty work causes additional damage. Example: Re-flashing causes new leak damaging drywall.

Certification Benefits

Manufacturer-certified installers get extended warranties AND better insurance rates. Carriers view certification as risk reduction and often provide 5-10% premium credits.

Common Material Liability Scenarios

Defective Shingle Class Action

2018-2019 | Atlas Chalet Shingles

Widespread premature granule loss and cracking affected thousands of roofs. Manufacturers eventually settled, but contractors faced liability for re-roofing during the 2-3 year lawsuit period.

Insurance Lesson:

Contractors with proper GL coverage had defense costs paid by insurance while waiting for manufacturer resolution. Uninsured contractors absorbed full re-roof costs.

Installation vs. Material Defect Dispute

Common scenario

Roof leaks within 2 years. Manufacturer inspector blames installation. Contractor blames material. Customer sues contractor. Happens ALL the time.

Insurance Lesson:

Your GL policy provides legal defense to prove material defect. Photo documentation of proper installation is critical. Expert witness costs covered by insurance.

Adhesive Fire Liability

Increasing frequency

Roofing adhesives or primers ignite during application or curing. Fire spreads to building structure. Manufacturer blames improper application/ventilation.

Insurance Lesson:

Standard GL may exclude fire from chemical application. Need pollution liability or chemical application endorsement. Hot work coverage alone may not be sufficient.

Wind Blow-Off Claims

High-frequency in wind-prone areas

Shingles blow off in windstorm below manufacturer's rated wind speed. Finger-pointing between contractor installation and material performance.

Insurance Lesson:

Document compliance with manufacturer specs (nail count, placement, sealing). Engineering reports showing proper installation shift liability to manufacturer. Your GL covers investigation costs.

Best Practices to Minimize Material Liability Exposure

Photo Documentation

Photograph material labels, manufacturing dates, installation process, and final results. Creates timeline if defect claims arise years later.

Manufacturer Certifications

Certified installers shift burden of proof to manufacturer for defect claims. Certification requires following exact specs - document this compliance.

Material Storage Controls

Improper storage voids warranties. Document climate-controlled storage, FIFO inventory rotation, and protection from moisture.

Customer Communication

Written disclosure of manufacturer warranty terms, your workmanship warranty, and maintenance requirements. Sets realistic expectations.

Subcontractor Insurance Requirements

Protect yourself from uninsured subcontractor liability - the fastest way to bankrupt a roofing business

WARNING: Uninsured Subcontractors = Your Liability

If your uninsured subcontractor injures themselves on your job site, THEY CAN SUE YOU for negligence. Your general liability policy may cover their medical costs and lawsuit, but premiums will skyrocket. Worse, if they injure someone else or damage property, you're liable for the full amount.

Real Example - $2.1 Million Judgment:

Texas roofing contractor hired uninsured gutter subcontractor. Sub fell 18 feet and became paralyzed. Because sub had no workers comp, he sued the roofing contractor for negligent supervision. Jury awarded $2.1M. Contractor's $1M GL policy paid limit, contractor personally liable for remaining $1.1M. Business bankrupted.

Required Subcontractor Coverage

General Liability - $1M Minimum

• Per occurrence: $1,000,000
• Aggregate: $2,000,000
• Products-completed ops included
• YOUR company listed as additional insured

Workers Compensation

• Statutory limits for state of operations
• Employer's liability: $1M recommended
• Valid for duration of your project
• Covers ALL of sub's employees

Commercial Auto (if applicable)

• $1M combined single limit minimum
• Covers all vehicles used on project
• Hired & non-owned auto coverage

Certificate Verification Checklist

Check Policy Dates

Coverage must be active for ENTIRE duration of your project, not just when they start

Verify Additional Insured Status

Certificate must show YOUR company name exactly as it appears on your contracts

Call the Insurance Company

Certificates can be faked. Call the agent/carrier listed to verify coverage is actually in force

Check Cancellation Notice

Certificate should require 30-day notice if policy is cancelled. Follow up if you receive notice.

Waiver of Subrogation

Workers comp should include waiver of subrogation in your favor to prevent carrier from suing you

Primary & Non-Contributory Language

GL coverage should be primary, meaning their insurance pays BEFORE yours in the event of a claim

Pro Tip:

Use certificate tracking software or require subs to register with a service like myCOI or Smartcompliance. Automates verification and sends renewal reminders.

Sample Subcontractor Agreement Insurance Language

INSURANCE REQUIREMENTS:

Subcontractor shall procure and maintain during the entire term of this Agreement:

1. Commercial General Liability insurance with limits of $1,000,000 per occurrence and $2,000,000 aggregate, including products-completed operations coverage.
2. Workers' Compensation insurance with statutory limits and Employer's Liability coverage of not less than $1,000,000.
3. Commercial Automobile Liability insurance with limits of $1,000,000 combined single limit covering all owned, hired, and non-owned vehicles.

ADDITIONAL REQUIREMENTS:

• [YOUR COMPANY NAME] shall be named as Additional Insured on GL and Auto policies on a primary and non-contributory basis.
• Workers Compensation policy shall include Waiver of Subrogation in favor of [YOUR COMPANY NAME].
• All policies shall provide 30 days' written notice of cancellation, non-renewal, or material change.
• Certificates of Insurance must be provided BEFORE work commences and upon each renewal.
• Failure to maintain required insurance is grounds for immediate termination of this Agreement.

Weather-Related Exposures & Coverage

How weather impacts your insurance coverage and what you need to know about storm-related claims

Wind & Storm Damage Scenarios

Scenario: Incomplete Roof During Storm

You complete tear-off but don't finish installation before unexpected storm. Water damage to interior.

Coverage Analysis:

Your GL policy covers this under "care, custody, control" while roof is in your possession. However, if you ignored weather forecasts or failed to tarp properly, insurer may claim negligence and deny coverage.

Scenario: Materials Blow Off During Work

Wind gust blows unsecured shingles off roof, damaging neighbor's windows and siding.

Coverage Analysis:

Covered under GL operations coverage. Your duty to secure materials. Document wind speeds - if above safe working limits per industry standards (20mph), you have stronger defense.

Scenario: Lightning Strike During Hot Work

Lightning strikes roof during torch-down application, causing fire that spreads to building.

Coverage Analysis:

Acts of God typically covered, BUT if you worked during thunderstorm warnings, insurer may argue negligence. Always cease hot work operations when lightning is within 10 miles.

Weather Protocol Requirements

Mandatory Work Stoppages

Wind above 20 mph: Too dangerous for ladder work and material handling
Any precipitation: Slippery surfaces create severe fall hazards
Temperature below manufacturer spec: Typically 40-50°F for adhesives
Lightning within 10 miles: Especially critical during hot work operations
Heat index above 105°F: Excessive heat stress risks for workers

Emergency Tarping Procedures

If weather threatens incomplete roof, you MUST protect the structure:

Monitor weather forecasts daily and plan work accordingly
Keep emergency tarps and sandbags on every job site
Secure all materials at end of each day - never leave loose on roof
Photo document emergency weather protection measures

Hurricane/Severe Storm Protocols

If named storm or severe weather warning issued:

1.Immediately secure all partially completed roofs with code-compliant tarping
2.Remove or secure all loose materials, tools, and equipment from roof and property
3.Document all protective measures with photos and time stamps
4.Notify customer in writing of weather delay and protection measures taken
5.Contact your insurance agent to report exposure before storm hits

Builders Risk vs. General Liability for Weather Claims

Builders Risk Coverage

Project-specific coverage protecting the building under construction from weather damage during your work:

• Covers weather damage to YOUR roofing work in progress
• Includes materials staged on site before installation
• Protects against wind, hail, lightning, storm damage
• Typically required on commercial projects over $500K

General Liability Coverage

Covers weather-related damage you cause to OTHER property or people:

• Materials blow off and damage neighbor's property
• Water intrusion damages customer's interior during your work
• Incomplete roof allows storm damage to contents
• Does NOT cover damage to your own work product

Climate Change Impact on Roofing Insurance

Insurance carriers are dramatically changing coverage in high-risk weather zones. Understanding these trends helps you plan:

•Hurricane zones (FL, TX, LA): Some carriers exiting market entirely. Remaining carriers requiring 5% wind/hail deductibles on completed operations
•Hail alley (CO, TX, OK, KS): Completed ops coverage limited to 2-3 years instead of standard 10 years in some policies
•Wildfire zones (CA, OR, WA): Increased scrutiny on ember-resistant installation practices and material selection
•All areas: Carriers requiring documented weather monitoring procedures and photo evidence of tarping/material securing

Hot Work & Fire Risks in Roofing

Critical coverage for torch-down, welding, and heat-producing roofing operations

Most GL Policies EXCLUDE Hot Work Fire Damage

Standard general liability policies typically EXCLUDE fire damage caused by your hot work operations. This means a torch-down fire that destroys a $2M building could leave you personally liable for the entire amount if you don't have specific hot work coverage. This is one of the most common coverage gaps in roofing insurance.

What's Excluded (Standard GL):

• Fire from torch-down roofing operations
• Welding and soldering fire damage
• Heat gun ignition of materials
• Propane torch operations
• Smoldering material re-ignition

What IS Covered (With Hot Work Endorsement):

✓ Fire damage to client's building structure
✓ Smoke damage to adjacent units/properties
✓ Fire department charges and emergency costs
✓ Loss of use/business interruption for owners
✓ Legal defense against fire-related lawsuits

Fire Legal Liability

Endorsement on your GL policy specifically covering fire damage from hot work operations. Typically $500K-$1M sublimit.

Typical Cost:

$300-$800 annually depending on hot work volume

Pollution Liability

Some adhesive/primer fires fall under pollution exclusions. Separate pollution coverage may be needed for chemical fires.

Typical Cost:

$800-$2,000 annually for $1M coverage

Project-Specific Coverage

For large commercial projects, owner may require you to carry project-specific fire legal liability separate from your annual policy.

Typical Cost:

1-3% of contract value for duration of project

Mandatory Hot Work Safety Protocols

Insurance carriers require documented hot work procedures. Failure to follow these can result in claim denial:

Before Hot Work Begins:

Obtain Hot Work Permit

From building owner/manager documenting authorization and fire watch requirements

Clear 35-Foot Radius

Remove all combustible materials within 35 feet of hot work area or protect with fire-resistant barriers

Fire Extinguisher Staging

Minimum two 10-lb ABC extinguishers within arm's reach, inspected and fully charged

Check Below Work Area

Inspect spaces below for combustibles, ensure no fuel/chemical storage, station fire watch if applicable

During & After Hot Work:

Continuous Supervision

Hot work operator must maintain direct control of torch/heat source at all times - no unattended flames

Weather Monitoring

Cease operations in winds above 15mph or during lightning/precipitation warnings

Fire Watch - MANDATORY 4 Hours

Designated person monitors work area for minimum 4 hours after completion. Most fires start 2-6 hours after work stops.

Document Everything

Photos of cleared area, equipment inspection, fire watch log with times/observations. Critical for claim defense.

Real Fire Statistics You Need to Know

63%

Of roofing hot work fires start AFTER workers leave

$420K

Average commercial building fire loss from roofing operations

6hrs

Maximum time delay before smoldering materials re-ignite

85%

Of torch-down fires occur on first-time/inexperienced crews

Source: National Fire Protection Association (NFPA) roofing operations fire statistics, 2023

Certificate of Insurance Requirements

What clients require and how to get certificates issued quickly

Standard Certificate Requirements

General Liability Coverage

• $1,000,000 per occurrence
• $2,000,000 general aggregate
• $2,000,000 products-completed operations aggregate
• $1,000,000 personal & advertising injury
• Property owner/GC listed as additional insured
• 30-day cancellation notice required

Workers Compensation

• Statutory limits for state of operations
• Part B Employer's Liability: $1,000,000 each accident
• $1,000,000 disease - policy limit
• $1,000,000 disease - each employee
• Waiver of subrogation in favor of certificate holder

Commercial Auto

• $1,000,000 combined single limit
• Covers any auto (owned, hired, non-owned)
• Additional insured for auto liability

Common Special Requirements

Enhanced Liability Limits

Large commercial or institutional projects often require:

• $2,000,000 or $5,000,000 per occurrence
• Umbrella/excess liability coverage
• Higher aggregate limits

Primary & Non-Contributory

Your insurance must pay FIRST before owner's policy:

• Requires specific endorsement on policy
• Prevents your insurer from seeking contribution from owner
• Almost universally required on commercial work

Blanket Additional Insured

Automatic AI for any contract requiring it:

• Eliminates need for endorsement per project
• Saves time and rush endorsement fees
• Covers owners, GCs, property managers automatically

Installation Floater / Builders Risk

Coverage for materials before installation:

• Protects against theft, vandalism, weather damage
• Covers materials in transit and on-site
• Required on many large commercial projects

Fast Certificate Issuance with CCA

Same Day

Standard certificate requests processed same business day if received before 3pm EST

2-4 Hours

Rush certificate requests marked urgent - perfect for last-minute bid requirements

Email Portal

Request certificates 24/7 through client portal - delivered directly to your inbox

What We Need to Issue Certificate:

Certificate holder name and full address
Project address (if different from certificate holder)
Contract/project number for reference

Special requirements (primary & non-contributory, waiver of subrogation, etc.)
Delivery method preference (email, fax, mail)

Common Certificate Mistakes That Delay Projects

❌ What NOT to Do:

• Requesting certificate without checking your actual coverage limits
• Assuming you have special endorsements without verifying
• Providing incomplete certificate holder information
• Waiting until day project starts to request certificate
• Not reviewing certificate before sending to client

✓ Best Practices:

• Request certificates 3-5 business days before needed
• Review contract insurance requirements when bidding
• Contact agent if requirements exceed your current coverage
• Keep template of common certificate holder information
• Verify certificate accuracy before submitting to client

How to Choose the Right Roofing Insurance Policy

Critical factors to evaluate when comparing roofing contractor insurance quotes

Don't Choose on Price Alone

The cheapest quote often has the most exclusions, highest deductibles, and weakest coverage. A $200 premium difference is meaningless if you have a $500,000 uncovered claim.

What to Compare:

• Actual coverage limits and sublimits
• Deductibles per claim
• Specific exclusions and endorsements
• Carrier AM Best rating
• Claims handling reputation

Carrier Financial Strength

Your carrier needs to be financially stable to pay claims years from now. Completed operations claims can surface 5-10 years after the work.

AM Best Ratings:

• A++ or A+: Superior - Best choice
• A or A-: Excellent - Acceptable
• B++ or B+: Good - Use with caution
• Below B+: Avoid for contractor insurance

Agent Expertise Matters

General insurance agents don't understand roofing exposures. You need a specialist who knows the difference between torch-down and shingle installation risks.

Questions to Ask Agent:

• What percentage of your clients are roofers?
• Do you understand hot work exclusions?
• Can you get quotes from specialty carriers?
• Will you help with claim documentation?

Coverage Checklist for Roofing Contractors

General Liability Must-Haves

✓$1M per occurrence minimum ($2M better)
✓$2M products-completed operations aggregate
✓Blanket additional insured endorsement
✓Primary & non-contributory language
✓Fire legal liability / hot work coverage

Workers Comp Must-Haves

✓Statutory coverage for all operating states
✓$1M employer's liability (Part B) limits
✓Waiver of subrogation endorsement available
✓Proper roofing class codes applied
✓Experience mod below 1.00 if possible

Additional Coverage to Consider

✓Umbrella/excess liability ($1M-$5M)
✓Inland marine for tools & equipment
✓Commercial auto with $1M CSL
✓Installation floater / builders risk option
✓Professional liability if doing design work

Why Roofing Contractors Choose CCA

Contractor's Choice Agency specializes in roofing contractor insurance across all 48 states. We understand your unique exposures, work with A-rated carriers who know the roofing industry, and provide same-day certificate service. Our agents speak your language and structure coverage that actually protects you - not just checks a box.

20+

Years roofing insurance expertise

A-Rated

AM Best rated carrier partners

Same-Day

Certificate of insurance delivery

48 States

Licensed nationwide coverage

Frequently Asked Questions

Get answers to the most common roofing contractor insurance questions

Still Have Questions?

Our roofing insurance specialists are available to answer your specific coverage questions and provide customized quotes.

Get Your Free Quote Call 844-967-5247

Get Comprehensive Roofing Contractor Insurance Today

Don't risk your business with inadequate coverage or coverage gaps. CCA specializes in roofing contractor insurance with same-day quotes, competitive rates from A-rated carriers, and coverage that actually protects you.

Comprehensive

GL, WC, Auto, Hot Work, and specialized coverages

A-Rated Carriers

Financially strong insurers who pay claims

Fast Service

Same-day quotes and certificate issuance

Get Your Free Quote Now Call 844-967-5247

Licensed in 48+ states | Serving roofing contractors nationwide since 2005

Licensed in 48+ States | A+ Rated Carriers

Roofing Contractor Insurance That Actually Covers Your Risks

Specialized coverage for fall hazards, hot work operations, weather damage, and material liability. From tear-offs to solar installations - get protected today.

Get Your Free Quote Call 844-967-5247

$400+

Annual GL Starting

48+

States Licensed

24hr

Certificate Delivery

20+ yrs

Industry Experience

Complete Coverage Guide

Navigate this comprehensive guide to roofing contractor insurance with our quick-jump table of contents:

Roofing Industry By The Numbers

Understanding the risks and opportunities in the roofing industry

$59B

2024 US Roofing Market Size

Projected to reach $75B by 2029

34%

Of All Construction Fatalities

Falls are the #1 cause of roofing deaths

$42K

Average Workers Comp Claim

Roofing has 2nd highest injury rate

150K+

Roofing Contractors in US

With 500K+ employed roofers

Complete Roofing Insurance Coverage Types

From essential liability protection to specialized hot work coverage - here's everything roofing contractors need to stay protected.

General Liability Insurance

CRITICAL COVERAGE

Covers third-party bodily injury, property damage, and completed operations claims.

Coverage Limits

$1M - $2M per occurrence

Typical Cost

$400 - $2,500 annually

Key Features & Benefits

•Property damage from falling materials or equipment
•Third-party injuries on job sites
•Advertising injury and personal injury claims
•Completed operations for roof leaks and defects
•Products liability for roofing materials

Workers' Compensation

CRITICAL COVERAGE

Mandatory in most states, covers medical expenses and lost wages for employee injuries.

Coverage Limits

Statutory limits by state

Typical Cost

$3,000 - $15,000+ annually

Key Features & Benefits

•Medical treatment for fall injuries
•Lost wages during recovery
•Permanent disability benefits
•Death benefits for fatal falls
•Employer liability protection

Commercial Auto Insurance

CRITICAL COVERAGE

Covers vehicles used for roofing operations including material transport and equipment hauling.

Coverage Limits

$1M Combined Single Limit

Typical Cost

$1,200 - $4,000 per vehicle

Key Features & Benefits

•Liability for accidents while hauling materials
•Physical damage to work trucks and trailers
•Coverage for tools and equipment in transit
•Hired and non-owned auto coverage
•Medical payments for passengers

Inland Marine / Tools & Equipment

Protects expensive roofing equipment, tools, and materials against theft, damage, and loss.

Coverage Limits

Up to $500K equipment value

Typical Cost

$500 - $2,000 annually

Key Features & Benefits

•Coverage for nail guns, compressors, saws
•Protection for ladders, scaffolding, safety equipment
•Materials in transit and on-site
•Theft from job sites and vehicles
•Breakdown coverage for specialized equipment

Builders Risk Insurance

Project-specific coverage for large commercial roofing projects during construction.

Coverage Limits

100% of project value

Typical Cost

1% - 5% of project cost

Key Features & Benefits

•Weather damage to materials before installation
•Theft of materials from active job sites
•Vandalism and malicious mischief
•Temporary structures and protective equipment
•Coverage until substantial completion

Commercial Property Insurance

Protects your business location, warehouse, and permanently installed equipment.

Coverage Limits

Based on property value

Typical Cost

$800 - $3,000 annually

Key Features & Benefits

•Building coverage for owned locations
•Business personal property
•Inventory and material storage
•Business income and extra expense
•Equipment breakdown coverage

Professional Liability / E&O

Covers design errors, roof specification mistakes, and professional advice claims.

Coverage Limits

$1M - $2M per claim

Typical Cost

$1,000 - $3,500 annually

Key Features & Benefits

•Errors in roof system design or specifications
•Failure to meet building code requirements
•Inadequate ventilation design claims
•Improper material selection
•Negligent inspection or consultation

Hot Work & Fire Legal Liability

CRITICAL COVERAGE

Essential coverage for torch-down roofing, welding, and other hot work operations.

Coverage Limits

$500K - $1M fire damage

Typical Cost

Included in GL or $500+ extra

Key Features & Benefits

•Fire damage to client property from hot work
•Torch-down roofing fire liability
•Welding and soldering operations
•Heat gun and propane torch coverage
•Adjacent property fire damage

Umbrella / Excess Liability

Additional liability limits above primary policies for catastrophic claims.

Coverage Limits

$1M - $5M additional

Typical Cost

$400 - $1,500 annually

Key Features & Benefits

•Extended limits for major fall incidents
•Protection against multi-million dollar lawsuits
•Coverage above GL and auto policies
•Worldwide coverage in most cases
•Defense cost coverage

Understanding Your Roofing Insurance Coverage

Detailed breakdown of what's covered, what's excluded, and the limits you actually need

General Liability Coverage - What's Actually Protected

COVERED Scenarios

✓Shingles or materials falling and damaging neighbor's property or vehicles
✓Customer trips over equipment and suffers injury
✓Roof leaks after installation due to workmanship errors
✓Damage to interior furnishings from tear-off debris
✓Legal defense costs even if claim is fraudulent
✓Product liability for defective materials you installed

NOT COVERED Scenarios

✗Injuries to your own employees (need Workers Comp)
✗Damage to property in your care, custody, or control before acceptance
✗Professional design errors (need E&O coverage)
✗Intentional damage or criminal acts
✗Pollution without pollution liability endorsement
✗Business vehicle accidents (need Commercial Auto)

Workers Compensation - Critical Protection Details

Roofing has one of the highest workers compensation rates in construction due to severe fall risks. Understanding your coverage is critical:

Part A: Medical Benefits

Covers 100% of medical costs for work-related injuries including emergency care, surgery, rehabilitation, and ongoing treatment. No deductibles or copays for employee.

Part B: Indemnity Benefits

Provides wage replacement at typically 66.67% of average weekly wage for time missed from work. Benefits continue until employee can return to work or reaches maximum medical improvement.

Part C: Employer's Liability

Protects against lawsuits from employees or their families. Common limits are $100K/$500K/$100K but many contracts require $1M for roofing work.

Critical: Class Code Accuracy

Hot Work Coverage - Essential for Torch-Down & Modified Bitumen

Standard general liability policies often EXCLUDE fire damage from hot work operations. If you perform torch-down roofing, welding, or use heat guns, you MUST have specific hot work coverage.

Why Hot Work Is Excluded

•High frequency of fire claims from torch operations
•Severity of damage - entire buildings can be destroyed
•Delayed ignition - fires can start hours after work completed
•Adjacent property damage - fire spreads to neighboring units

Hot Work Coverage Solutions

✓Fire Legal Liability endorsement on GL policy
✓Standalone Hot Work liability coverage
✓Project-specific fire legal liability for large jobs
✓Typical limits: $500K - $1M per occurrence

Special Considerations:

General Contractor or Roofing Contractor license required. Hurricane exposure requires adequate completed ops coverage.

Multi-State Operations Require Careful Planning

Get Multi-State Quote

Roofing Insurance Cost Breakdown & Calculator

Get an estimate of your annual insurance costs based on your business size and operations

Calculate Your Costs

Annual Revenue: $250,000

$50K$2M

Number of Employees: 5

120

Business Vehicles: 2

110

Estimated Annual Costs

General Liability$800

Based on $250,000 revenue

Workers Compensation$12,500

5 employees @ ~$2,500 average

Commercial Auto$3,000

2 vehicles @ ~$1,500 each

Tools & Equipment$800

Inland marine coverage

Total Annual Cost$17,100

Approximately $1,425/month on payment plan

Get Accurate Quote

Factors That Increase Roofing Insurance Costs

Roofing Type

•Commercial/flat roofing: Higher rates
•Steep slope/high-rise: Significant premium increase
•Torch-down/hot work: Requires special coverage
•Metal roofing: Moderate rates

Experience & Claims

•Less than 3 years experience: 20-40% higher
•Recent claims: Can double premiums
•Multiple GL claims: Harder to place coverage
•Workers comp claims: Increase mod factor

Location & Operations

•Hurricane zones: Much higher completed ops
•High-hail states: Increased material claims
•Urban areas: Higher auto insurance rates
•Multi-state work: Additional compliance costs

Real-World Roofing Insurance Claims Scenarios

Learn from actual claims to understand what's covered and how to prevent costly incidents

Fall from Roof During Tear-Off

Workers Compensation Claim$125,000

What Happened:

Roofer fell 22 feet through unsecured plywood during tear-off. Suffered fractured vertebrae requiring surgery. Out of work for 9 months.

What Insurance Covered:

✓All medical expenses including emergency care, surgery, and rehabilitation
✓66.67% of wages during recovery period ($40,000)
✓Permanent partial disability settlement ($65,000)
✓Legal defense against family's third-party lawsuit

Prevention Strategies:

•Implement comprehensive fall protection plan with guardrails or personal fall arrest systems
•Daily safety briefings on roof access and working conditions
•Proper employee training on identifying unsafe decking
•Never allow work in wet or icy conditions without proper safety measures

Shingles Damage Neighbor's Luxury Vehicle

General Liability Claim$42,000

What Happened:

During tear-off, workers threw shingles off roof edge without chute. Debris severely damaged neighbor's $85,000 Tesla parked in adjacent driveway.

What Insurance Covered:

✓Full vehicle repair costs ($38,000)
✓Diminished value claim ($3,500)
✓Legal defense fees ($2,800)
✓Loss of use rental car expenses

Prevention Strategies:

•Always use dump chutes or tarps to contain falling debris
•Establish debris zones and barricade surrounding areas
•Take photos of neighboring properties before starting work
•Communicate with neighbors about work schedule and potential hazards
•Use ground protection tarps for high-value property areas

Torch-Down Fire Spreads to Entire Building

Fire Legal Liability / Hot Work Claim$380,000

What Happened:

Crew finished torch-down application at 3pm. Fire started at 8pm when smoldering tar ignited insulation. Destroyed roof and caused severe smoke damage to 6 condo units.

What Insurance Covered:

✓Property damage to building structure ($220,000)
✓Smoke damage to 6 condo units ($145,000)
✓Temporary relocation costs for residents
✓Legal defense against negligence lawsuit

Prevention Strategies:

•Implement hot work fire watch for minimum 4 hours after completion
•Have charged fire extinguishers immediately accessible
•Clear all combustibles from work area
•Install fire-resistant barriers between torch work and combustible materials
•Never perform hot work in high wind conditions
•Obtain hot work permits from building owners/managers

Roof Leak After Installation Damages Interior

Completed Operations / Products Liability$67,000

What Happened:

Improper flashing installation around HVAC unit caused water intrusion during first heavy rain. Damage to drywall, flooring, and $20,000 antique furniture collection.

What Insurance Covered:

✓Repair/replacement of damaged interior finishes
✓Furniture restoration or replacement
✓Re-roofing the defective section with proper installation
✓Temporary repairs and emergency tarping costs
✓Mold remediation if discovered early

Prevention Strategies:

•Detailed quality control inspections before final completion
•Photo documentation of all critical flashing installations
•Use manufacturer-certified installers for warranty compliance
•Conduct water tests on all penetrations before leaving job
•Provide customers with maintenance guidelines and inspection schedules

Worker Injured By Falling Materials

Workers Compensation Claim$88,000

What Happened:

Ground worker struck by bundle of shingles that slipped from crane during lift. Suffered severe head trauma despite wearing hard hat. Permanent cognitive impairment.

What Insurance Covered:

✓Emergency medical care and extended hospitalization
✓Permanent total disability benefits (lifetime payments)
✓Vocational rehabilitation services
✓Medical treatment for ongoing cognitive therapy

Prevention Strategies:

•Establish designated ground worker safe zones during crane operations
•Use tag lines on all crane lifts to control material bundles
•Inspect all rigging and hoisting equipment before each use
•Implement spotter system for crane operations
•Require high-visibility vests and hard hats in material delivery zones

Subcontractor Falls, Sues Contractor

General Liability Third-Party Claim$215,000

What Happened:

Uninsured subcontractor fell from ladder while installing gutters. Filed lawsuit against general roofing contractor for negligent supervision and unsafe work conditions.

What Insurance Covered:

✓Legal defense costs ($45,000)
✓Settlement payment ($165,000)
✓Court costs and expert witness fees
✓Mediation and arbitration expenses

Prevention Strategies:

•NEVER hire uninsured subcontractors - verify active coverage before work starts
•Require certificates of insurance with your company listed as additional insured
•Include contractual liability transfer language in all subcontracts
•Conduct site safety inspections and document subcontractor compliance
•Consider requiring subcontractors to carry $1M+ limits

Don't Wait Until a Claim Happens

Get Protected Today Call 844-967-5247

Risk Management Strategies for Roofing Contractors

Reduce claims, lower premiums, and protect your business with these proven risk management practices

Safety Program Essentials

Written Safety Plan

Comprehensive safety manual covering fall protection, hot work procedures, equipment usage, and emergency protocols. Updated annually and reviewed with all employees.

Daily Toolbox Talks

15-minute safety meetings before each shift discussing day's hazards, weather conditions, specific risks for the project, and proper safety equipment usage.

OSHA 10/30 Training

All crew members complete OSHA 10-hour training minimum. Supervisors complete OSHA 30-hour. Maintain training records for insurance verification and compliance.

Incident Reporting System

Near-miss and incident reporting process that identifies hazards before they cause injuries. Monthly safety committee reviews trends and implements corrective actions.

Quality Control Measures

Multi-Point Inspections

Checklist-based inspections at tear-off completion, deck preparation, underlayment installation, flashing details, and final completion. Photos at each stage.

Manufacturer Certifications

Certified installers for major roofing systems. Maintains manufacturer warranties and demonstrates competency to insurance underwriters for better rates.

Weather Protocols

Mandatory work stoppage for wind above 20mph, rain, ice, or temperatures below manufacturer specifications. Protects workers and prevents defective installations.

Customer Communication

Daily project updates, photo sharing, pre-work walkthroughs documenting existing conditions. Prevents disputes and establishes clear expectations.

Equipment Maintenance & Inspection Program

Fall Protection Equipment

Monthly inspection of harnesses for wear, tears, and hardware damage
Annual recertification of lanyards and self-retracting lifelines
Immediate removal from service of any equipment involved in fall arrest

Ladders & Scaffolding

Pre-use inspection of ladders for cracks, bends, and loose hardware
Competent person inspects scaffolds before each shift
Tagging system for damaged equipment removal

Power Tools & Equipment

Weekly inspection of nail guns, compressors, and saws
Preventive maintenance on schedule per manufacturer
Lockout/tagout procedures for repairs and servicing

Insurance Benefits of Strong Risk Management

15-25%

Premium reduction with documented safety program

40-60%

Lower workers comp mod with fewer claims

Better

Access to quality carriers and expanded coverage options

Fall Protection Requirements for Roofing Contractors

Falls are the #1 killer in roofing. Understanding and implementing proper fall protection is critical for safety AND insurance coverage.

OSHA 1926.501 - Mandatory Fall Protection at 6 Feet

Insurance Impact: Workers comp claims for falls WITHOUT proper fall protection in place can be denied for gross negligence, leaving you personally liable for medical costs and disability payments.

Acceptable Fall Protection Systems

1. Guardrail Systems

Top rail at 42 inches, mid-rail at 21 inches, capable of withstanding 200 pounds. Best for flat/low-slope roofs.

Pros: No training required, protects multiple workers, stays in place

Cons: Time to install, materials cost, limited mobility

2. Personal Fall Arrest Systems (PFAS)

Full-body harness + lanyard + anchor point rated for 5,000 lbs. Most common for residential steep-slope roofing.

Pros: Mobile, works on steep slopes, relatively inexpensive

Cons: Requires training, proper anchor critical, only protects one worker

3. Safety Net Systems

Nets with max 6-inch mesh, installed max 30 feet below work surface. Used on larger commercial projects.

Pros: Catches falling workers/materials, covers large areas

Cons: Expensive, requires engineered support, limited applications

4. Warning Line Systems

Minimum 6 feet from edge on roofs with slopes 4:12 or less. Combined with safety monitoring system.

Pros: Quick to set up, low cost, good for flat roofs

Cons: Doesn't prevent falls, requires competent monitor, limited to low-slope

Residential Roofing Exemptions & Alternatives

1926.501(b)(13) - Residential Construction

WARNING: "Infeasible" means physically impossible, NOT just inconvenient or expensive. OSHA scrutinizes this heavily.

Alternative Fall Protection Plan Requirements

•Written plan specific to each job site
•Prepared by qualified person
•Documentation why conventional fall protection is infeasible
•Alternative measures implemented (slide guards, roof jacks, etc.)
•Employee training on alternative methods
•Plan available on-site and reviewed with workers

Insurance Perspective on Exemptions

Common Residential Alternatives (When Allowed)

Slide guards / roof jacks with planking
Ridge hooks with rope grabs (not fall arrest, but positioning)
Chicken ladders for steep-slope access
Designated safety observer for warning line systems

Insurance Carrier Requirements Often Exceed OSHA Minimums

Free safety consultation from carrier loss control team

Safety equipment purchase programs with premium credits

Premium discounts for OSHA 30-hour certified supervisors

Material Liability & Defect Coverage

Understanding your liability for roofing materials - what's covered, what's not, and how to protect yourself

Products Liability Coverage

Your general liability policy includes "products-completed operations" coverage that protects you when materials you install cause damage or injury. However, there are critical limitations:

COVERED:

Damage to third-party property caused by defective shingles you installed. Example: Leaking roof damages customer's furniture and electronics.

COVERED:

Injuries caused by installed materials. Example: Shingles blow off in windstorm and injure neighbor.

NOT COVERED:

Cost to remove and replace the defective roofing material itself. This is considered "your work" and excluded.

NOT COVERED:

Materials still in your warehouse, on your truck, or not yet installed. Need inland marine coverage.

Manufacturer Warranty vs. Your Insurance

Understanding the interplay between manufacturer warranties and your contractor insurance is critical:

Material Defect Only

Consequential Damage Exclusions

Installation Warranty Coverage

Certification Benefits

Manufacturer-certified installers get extended warranties AND better insurance rates. Carriers view certification as risk reduction and often provide 5-10% premium credits.

Common Material Liability Scenarios

Defective Shingle Class Action

2018-2019 | Atlas Chalet Shingles

Widespread premature granule loss and cracking affected thousands of roofs. Manufacturers eventually settled, but contractors faced liability for re-roofing during the 2-3 year lawsuit period.

Insurance Lesson:

Contractors with proper GL coverage had defense costs paid by insurance while waiting for manufacturer resolution. Uninsured contractors absorbed full re-roof costs.

Installation vs. Material Defect Dispute

Common scenario

Roof leaks within 2 years. Manufacturer inspector blames installation. Contractor blames material. Customer sues contractor. Happens ALL the time.

Insurance Lesson:

Your GL policy provides legal defense to prove material defect. Photo documentation of proper installation is critical. Expert witness costs covered by insurance.

Adhesive Fire Liability

Increasing frequency

Roofing adhesives or primers ignite during application or curing. Fire spreads to building structure. Manufacturer blames improper application/ventilation.

Insurance Lesson:

Standard GL may exclude fire from chemical application. Need pollution liability or chemical application endorsement. Hot work coverage alone may not be sufficient.

Wind Blow-Off Claims

High-frequency in wind-prone areas

Shingles blow off in windstorm below manufacturer's rated wind speed. Finger-pointing between contractor installation and material performance.

Insurance Lesson:

Document compliance with manufacturer specs (nail count, placement, sealing). Engineering reports showing proper installation shift liability to manufacturer. Your GL covers investigation costs.

Best Practices to Minimize Material Liability Exposure

Photo Documentation

Photograph material labels, manufacturing dates, installation process, and final results. Creates timeline if defect claims arise years later.

Manufacturer Certifications

Certified installers shift burden of proof to manufacturer for defect claims. Certification requires following exact specs - document this compliance.

Material Storage Controls

Improper storage voids warranties. Document climate-controlled storage, FIFO inventory rotation, and protection from moisture.

Customer Communication

Written disclosure of manufacturer warranty terms, your workmanship warranty, and maintenance requirements. Sets realistic expectations.

Subcontractor Insurance Requirements

Protect yourself from uninsured subcontractor liability - the fastest way to bankrupt a roofing business

WARNING: Uninsured Subcontractors = Your Liability

Real Example - $2.1 Million Judgment:

Required Subcontractor Coverage

General Liability - $1M Minimum

• Per occurrence: $1,000,000
• Aggregate: $2,000,000
• Products-completed ops included
• YOUR company listed as additional insured

Workers Compensation

• Statutory limits for state of operations
• Employer's liability: $1M recommended
• Valid for duration of your project
• Covers ALL of sub's employees

Commercial Auto (if applicable)

• $1M combined single limit minimum
• Covers all vehicles used on project
• Hired & non-owned auto coverage

Certificate Verification Checklist

Check Policy Dates

Coverage must be active for ENTIRE duration of your project, not just when they start

Verify Additional Insured Status

Certificate must show YOUR company name exactly as it appears on your contracts

Call the Insurance Company

Certificates can be faked. Call the agent/carrier listed to verify coverage is actually in force

Check Cancellation Notice

Certificate should require 30-day notice if policy is cancelled. Follow up if you receive notice.

Waiver of Subrogation

Workers comp should include waiver of subrogation in your favor to prevent carrier from suing you

Primary & Non-Contributory Language

GL coverage should be primary, meaning their insurance pays BEFORE yours in the event of a claim

Pro Tip:

Use certificate tracking software or require subs to register with a service like myCOI or Smartcompliance. Automates verification and sends renewal reminders.

Sample Subcontractor Agreement Insurance Language

INSURANCE REQUIREMENTS:

Subcontractor shall procure and maintain during the entire term of this Agreement:

1. Commercial General Liability insurance with limits of $1,000,000 per occurrence and $2,000,000 aggregate, including products-completed operations coverage.
2. Workers' Compensation insurance with statutory limits and Employer's Liability coverage of not less than $1,000,000.
3. Commercial Automobile Liability insurance with limits of $1,000,000 combined single limit covering all owned, hired, and non-owned vehicles.

ADDITIONAL REQUIREMENTS:

• [YOUR COMPANY NAME] shall be named as Additional Insured on GL and Auto policies on a primary and non-contributory basis.
• Workers Compensation policy shall include Waiver of Subrogation in favor of [YOUR COMPANY NAME].
• All policies shall provide 30 days' written notice of cancellation, non-renewal, or material change.
• Certificates of Insurance must be provided BEFORE work commences and upon each renewal.
• Failure to maintain required insurance is grounds for immediate termination of this Agreement.

Weather-Related Exposures & Coverage

How weather impacts your insurance coverage and what you need to know about storm-related claims

Wind & Storm Damage Scenarios

Scenario: Incomplete Roof During Storm

You complete tear-off but don't finish installation before unexpected storm. Water damage to interior.

Coverage Analysis:

Scenario: Materials Blow Off During Work

Wind gust blows unsecured shingles off roof, damaging neighbor's windows and siding.

Coverage Analysis:

Covered under GL operations coverage. Your duty to secure materials. Document wind speeds - if above safe working limits per industry standards (20mph), you have stronger defense.

Scenario: Lightning Strike During Hot Work

Lightning strikes roof during torch-down application, causing fire that spreads to building.

Coverage Analysis:

Acts of God typically covered, BUT if you worked during thunderstorm warnings, insurer may argue negligence. Always cease hot work operations when lightning is within 10 miles.

Weather Protocol Requirements

Mandatory Work Stoppages

Wind above 20 mph: Too dangerous for ladder work and material handling
Any precipitation: Slippery surfaces create severe fall hazards
Temperature below manufacturer spec: Typically 40-50°F for adhesives
Lightning within 10 miles: Especially critical during hot work operations
Heat index above 105°F: Excessive heat stress risks for workers

Emergency Tarping Procedures

If weather threatens incomplete roof, you MUST protect the structure:

Monitor weather forecasts daily and plan work accordingly
Keep emergency tarps and sandbags on every job site
Secure all materials at end of each day - never leave loose on roof
Photo document emergency weather protection measures

Hurricane/Severe Storm Protocols

If named storm or severe weather warning issued:

1.Immediately secure all partially completed roofs with code-compliant tarping
2.Remove or secure all loose materials, tools, and equipment from roof and property
3.Document all protective measures with photos and time stamps
4.Notify customer in writing of weather delay and protection measures taken
5.Contact your insurance agent to report exposure before storm hits

Builders Risk vs. General Liability for Weather Claims

Builders Risk Coverage

Project-specific coverage protecting the building under construction from weather damage during your work:

• Covers weather damage to YOUR roofing work in progress
• Includes materials staged on site before installation
• Protects against wind, hail, lightning, storm damage
• Typically required on commercial projects over $500K

General Liability Coverage

Covers weather-related damage you cause to OTHER property or people:

• Materials blow off and damage neighbor's property
• Water intrusion damages customer's interior during your work
• Incomplete roof allows storm damage to contents
• Does NOT cover damage to your own work product

Climate Change Impact on Roofing Insurance

Insurance carriers are dramatically changing coverage in high-risk weather zones. Understanding these trends helps you plan:

•Hurricane zones (FL, TX, LA): Some carriers exiting market entirely. Remaining carriers requiring 5% wind/hail deductibles on completed operations
•Hail alley (CO, TX, OK, KS): Completed ops coverage limited to 2-3 years instead of standard 10 years in some policies
•Wildfire zones (CA, OR, WA): Increased scrutiny on ember-resistant installation practices and material selection
•All areas: Carriers requiring documented weather monitoring procedures and photo evidence of tarping/material securing

Hot Work & Fire Risks in Roofing

Critical coverage for torch-down, welding, and heat-producing roofing operations

Most GL Policies EXCLUDE Hot Work Fire Damage

What's Excluded (Standard GL):

• Fire from torch-down roofing operations
• Welding and soldering fire damage
• Heat gun ignition of materials
• Propane torch operations
• Smoldering material re-ignition

What IS Covered (With Hot Work Endorsement):

✓ Fire damage to client's building structure
✓ Smoke damage to adjacent units/properties
✓ Fire department charges and emergency costs
✓ Loss of use/business interruption for owners
✓ Legal defense against fire-related lawsuits

Fire Legal Liability

Endorsement on your GL policy specifically covering fire damage from hot work operations. Typically $500K-$1M sublimit.

Typical Cost:

$300-$800 annually depending on hot work volume

Pollution Liability

Some adhesive/primer fires fall under pollution exclusions. Separate pollution coverage may be needed for chemical fires.

Typical Cost:

$800-$2,000 annually for $1M coverage

Project-Specific Coverage

For large commercial projects, owner may require you to carry project-specific fire legal liability separate from your annual policy.

Typical Cost:

1-3% of contract value for duration of project

Mandatory Hot Work Safety Protocols

Insurance carriers require documented hot work procedures. Failure to follow these can result in claim denial:

Before Hot Work Begins:

Obtain Hot Work Permit

From building owner/manager documenting authorization and fire watch requirements

Clear 35-Foot Radius

Remove all combustible materials within 35 feet of hot work area or protect with fire-resistant barriers

Fire Extinguisher Staging

Minimum two 10-lb ABC extinguishers within arm's reach, inspected and fully charged

Check Below Work Area

Inspect spaces below for combustibles, ensure no fuel/chemical storage, station fire watch if applicable

During & After Hot Work:

Continuous Supervision

Hot work operator must maintain direct control of torch/heat source at all times - no unattended flames

Weather Monitoring

Cease operations in winds above 15mph or during lightning/precipitation warnings

Fire Watch - MANDATORY 4 Hours

Designated person monitors work area for minimum 4 hours after completion. Most fires start 2-6 hours after work stops.

Document Everything

Photos of cleared area, equipment inspection, fire watch log with times/observations. Critical for claim defense.

Real Fire Statistics You Need to Know

63%

Of roofing hot work fires start AFTER workers leave

$420K

Average commercial building fire loss from roofing operations

6hrs

Maximum time delay before smoldering materials re-ignite

85%

Of torch-down fires occur on first-time/inexperienced crews

Source: National Fire Protection Association (NFPA) roofing operations fire statistics, 2023

Certificate of Insurance Requirements

What clients require and how to get certificates issued quickly

Standard Certificate Requirements

General Liability Coverage

• $1,000,000 per occurrence
• $2,000,000 general aggregate
• $2,000,000 products-completed operations aggregate
• $1,000,000 personal & advertising injury
• Property owner/GC listed as additional insured
• 30-day cancellation notice required

Workers Compensation

• Statutory limits for state of operations
• Part B Employer's Liability: $1,000,000 each accident
• $1,000,000 disease - policy limit
• $1,000,000 disease - each employee
• Waiver of subrogation in favor of certificate holder

Commercial Auto

• $1,000,000 combined single limit
• Covers any auto (owned, hired, non-owned)
• Additional insured for auto liability

Common Special Requirements

Enhanced Liability Limits

Large commercial or institutional projects often require:

• $2,000,000 or $5,000,000 per occurrence
• Umbrella/excess liability coverage
• Higher aggregate limits

Primary & Non-Contributory

Your insurance must pay FIRST before owner's policy:

• Requires specific endorsement on policy
• Prevents your insurer from seeking contribution from owner
• Almost universally required on commercial work

Blanket Additional Insured

Automatic AI for any contract requiring it:

• Eliminates need for endorsement per project
• Saves time and rush endorsement fees
• Covers owners, GCs, property managers automatically

Installation Floater / Builders Risk

Coverage for materials before installation:

• Protects against theft, vandalism, weather damage
• Covers materials in transit and on-site
• Required on many large commercial projects

Fast Certificate Issuance with CCA

Same Day

Standard certificate requests processed same business day if received before 3pm EST

2-4 Hours

Rush certificate requests marked urgent - perfect for last-minute bid requirements

Email Portal

Request certificates 24/7 through client portal - delivered directly to your inbox

What We Need to Issue Certificate:

Certificate holder name and full address
Project address (if different from certificate holder)
Contract/project number for reference

Special requirements (primary & non-contributory, waiver of subrogation, etc.)
Delivery method preference (email, fax, mail)

Common Certificate Mistakes That Delay Projects

❌ What NOT to Do:

• Requesting certificate without checking your actual coverage limits
• Assuming you have special endorsements without verifying
• Providing incomplete certificate holder information
• Waiting until day project starts to request certificate
• Not reviewing certificate before sending to client

✓ Best Practices:

• Request certificates 3-5 business days before needed
• Review contract insurance requirements when bidding
• Contact agent if requirements exceed your current coverage
• Keep template of common certificate holder information
• Verify certificate accuracy before submitting to client

How to Choose the Right Roofing Insurance Policy

Critical factors to evaluate when comparing roofing contractor insurance quotes

Don't Choose on Price Alone

The cheapest quote often has the most exclusions, highest deductibles, and weakest coverage. A $200 premium difference is meaningless if you have a $500,000 uncovered claim.

What to Compare:

• Actual coverage limits and sublimits
• Deductibles per claim
• Specific exclusions and endorsements
• Carrier AM Best rating
• Claims handling reputation

Carrier Financial Strength

Your carrier needs to be financially stable to pay claims years from now. Completed operations claims can surface 5-10 years after the work.

AM Best Ratings:

• A++ or A+: Superior - Best choice
• A or A-: Excellent - Acceptable
• B++ or B+: Good - Use with caution
• Below B+: Avoid for contractor insurance

Agent Expertise Matters

General insurance agents don't understand roofing exposures. You need a specialist who knows the difference between torch-down and shingle installation risks.

Questions to Ask Agent:

• What percentage of your clients are roofers?
• Do you understand hot work exclusions?
• Can you get quotes from specialty carriers?
• Will you help with claim documentation?

Coverage Checklist for Roofing Contractors

General Liability Must-Haves

✓$1M per occurrence minimum ($2M better)
✓$2M products-completed operations aggregate
✓Blanket additional insured endorsement
✓Primary & non-contributory language
✓Fire legal liability / hot work coverage

Workers Comp Must-Haves

✓Statutory coverage for all operating states
✓$1M employer's liability (Part B) limits
✓Waiver of subrogation endorsement available
✓Proper roofing class codes applied
✓Experience mod below 1.00 if possible

Additional Coverage to Consider

✓Umbrella/excess liability ($1M-$5M)
✓Inland marine for tools & equipment
✓Commercial auto with $1M CSL
✓Installation floater / builders risk option
✓Professional liability if doing design work

Why Roofing Contractors Choose CCA

20+

Years roofing insurance expertise

A-Rated

AM Best rated carrier partners

Same-Day

Certificate of insurance delivery

48 States

Licensed nationwide coverage

Frequently Asked Questions

Get answers to the most common roofing contractor insurance questions

Still Have Questions?

Our roofing insurance specialists are available to answer your specific coverage questions and provide customized quotes.

Get Your Free Quote Call 844-967-5247

Get Comprehensive Roofing Contractor Insurance Today

Comprehensive

GL, WC, Auto, Hot Work, and specialized coverages

A-Rated Carriers

Financially strong insurers who pay claims

Fast Service

Same-day quotes and certificate issuance

Get Your Free Quote Now Call 844-967-5247

Licensed in 48+ states | Serving roofing contractors nationwide since 2005

Roofing Contractor Insurance That Actually Covers Your Risks

Complete Coverage Guide

Roofing Industry By The Numbers

Complete Roofing Insurance Coverage Types

General Liability Insurance

Key Features & Benefits

Workers' Compensation

Key Features & Benefits

Commercial Auto Insurance

Key Features & Benefits

Inland Marine / Tools & Equipment

Key Features & Benefits

Builders Risk Insurance

Key Features & Benefits

Commercial Property Insurance

Key Features & Benefits

Professional Liability / E&O

Key Features & Benefits

Hot Work & Fire Legal Liability

Key Features & Benefits

Umbrella / Excess Liability

Key Features & Benefits

Understanding Your Roofing Insurance Coverage

General Liability Coverage - What's Actually Protected

COVERED Scenarios

NOT COVERED Scenarios

Workers Compensation - Critical Protection Details

Hot Work Coverage - Essential for Torch-Down & Modified Bitumen

Why Hot Work Is Excluded

Hot Work Coverage Solutions

State-Specific Roofing Insurance Requirements

Texas

Florida

California

Arizona

Georgia

North Carolina

Multi-State Operations Require Careful Planning

Roofing Insurance Cost Breakdown & Calculator

Calculate Your Costs

Estimated Annual Costs

Factors That Increase Roofing Insurance Costs

Roofing Type

Experience & Claims

Location & Operations

Real-World Roofing Insurance Claims Scenarios

Fall from Roof During Tear-Off

What Happened:

What Insurance Covered:

Prevention Strategies:

Shingles Damage Neighbor&apos;s Luxury Vehicle

What Happened:

What Insurance Covered:

Prevention Strategies:

Torch-Down Fire Spreads to Entire Building

What Happened:

What Insurance Covered:

Prevention Strategies:

Roof Leak After Installation Damages Interior

What Happened:

What Insurance Covered:

Prevention Strategies:

Worker Injured By Falling Materials

What Happened:

What Insurance Covered:

Prevention Strategies:

Subcontractor Falls, Sues Contractor

What Happened:

What Insurance Covered:

Prevention Strategies:

Don't Wait Until a Claim Happens

Risk Management Strategies for Roofing Contractors

Safety Program Essentials

Written Safety Plan

Daily Toolbox Talks

OSHA 10/30 Training

Incident Reporting System

Quality Control Measures

Multi-Point Inspections

Manufacturer Certifications

Shingles Damage Neighbor's Luxury Vehicle