Insurance built for roofing contractors.

That is the products-completed-operations side of general liability, and on installed roofing work it is the exposure that matters most. A roof you installed or repaired that later leaks, fails, or lets water in and causes third-party property damage or injury is what this part of the policy is built to respond to. How the policy is triggered — on an occurrence basis versus a claims-made basis — changes how a claim that surfaces after the job is finished is handled, which is exactly the nuance we walk owners through.

The hot-work and torch-down fire exposure concentrates in commercial and industrial roofing, where a torch or hot-work operation can ignite a fire during the job. It is a general liability exposure, and it is one of the reasons a roofing program should not be written off a generic contractor form. We underwrite it as part of the general liability program rather than treating it as an afterthought.

Because the crew works at height, roofing sits among the most severe workers compensation classes of any trade — a fall is the exposure the program is built around. Workers comp also follows your payroll, so the state a crew member physically works in matters as much as the state you are based in. We flag the four monopolistic states — North Dakota, Ohio, Washington, and Wyoming — where private carriers cannot write comp at all and coverage comes only through the state fund.

Those are two different lines. Commercial auto answers the crew trucks and trailers that run between the shop and the jobsite every working day — the mobile-trade exposure a personal or generic policy is not built for. Contractors equipment, an inland marine line, answers the tools, ladders, harnesses, standing-seam machines, and staged materials on the jobsite and in transit. A roofing program should carry both, matched to how you actually run the operation.

It depends entirely on the state. Some states license roofing contractors specifically, some cover the work under a general or specialty contractor license, some handle it through local registration only, and some do not license it at all. Because it varies so much, the honest answer is state-by-state — we confirm what your specific state and locality require rather than assuming a single national rule, and we never point you at a license that does not exist.

There is no single price, because premium is driven by your specific operation. The biggest factors are your payroll and crew classifications — roofing is a high-severity workers compensation class — along with your revenue, the type of roofing you do and its end use, whether you run steep-slope or hot-work operations, the number and value of your crew trucks, and your prior claims history. A residential shingle crew, a commercial flat-roof contractor, and a metal or tile specialist each look very different to an underwriter. We price to the real risk rather than a generic guess.