Blog · Coverage Explained
Coverage Explained
Roofing insurance guides in coverage explained, written and reviewed by Nate Jones, CPCU.
- Coverage Explained
Additional Insured for Roofing Contractors: CG 20 10 vs CG 20 37
A GC’s contract demands additional-insured status — for a roofing sub it takes two endorsements. CG 20 10 covers ongoing operations, CG 20 37 completed.
- Coverage Explained
Does General Liability Cover a Roof Leak After You Install It?
A roof you installed leaks a season later and ruins the interior below. General liability’s completed-operations side answers that third-party damage.
- Coverage Explained
Torch-Down and Hot-Work Fire Risk: What Your GL Covers
A torch-down or hot-work fire that ignites during a roofing job and harms a third party is an operations exposure your general liability answers.
- Coverage Explained
Are Your Crew Trucks and Roofing Equipment Covered?
Two lines cover what a roofing crew drives and carries: commercial auto for the trucks on the road, and contractors equipment for the gear.
- Coverage Explained
Falls From Height and Workers’ Comp for Roofing Contractors
A fall from the roof is the severe injury workers’ compensation is built for — and it is workers’ comp, not general liability, that answers a hurt crew.
- Coverage Explained
Umbrella and Excess for Roofing Contractors
When a general contractor requires higher combined limits than your primary policies carry, umbrella and excess liability add limit on top of both.
- Coverage Explained
‘Your Work’ and Faulty Workmanship: What GL Won’t Pay to Redo
General liability won’t pay to redo your own defective roof — that’s a business cost. But it does pay for the third-party damage the failure causes.
Have a question about your roofing operation?
Talk to a specialist who writes the roofing class — residential, commercial and industrial, and specialty metal and tile — or start a quote.