Does the type of roofing matter?
Yes. TPO, membrane, metal, shingles, tile and torch-applied systems can present different underwriting concerns.
Roofing Contractor Insurance
Roofing combines height, weather, hot work, property damage potential and long-tail completed-operations exposure. Residential versus commercial work, new construction versus reroofing, and subcontracting can materially change carrier appetite.
What to Review
Contractor insurance starts with the work—not a generic class description.
Project type, job-site conditions, subcontracting, contracts, fleet, equipment and completed work can all change the insurance conversation.
Height & fall exposureWork at elevation drives serious workers compensation and liability concerns.
Hot workTorch-applied systems and welding can create severe fire exposure.
Water intrusionA small installation error can lead to substantial interior property damage.
Completed operationsLeaks or failures may not appear until months after the roof is completed.
Common Questions
Questions worth answering before renewal.
Does subcontracting make roofing easier to insure?
Not automatically. Carriers often scrutinize subcontractor controls and risk transfer closely.
What equipment should be scheduled?
Higher-value tools, lifts, trailers and mobile equipment may need inland marine or scheduled coverage.
Keep Exploring
Related contractor insurance topics.
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Contractors Equipment & Inland Marine
Protect mobile tools and equipment that do not stay at one location.
Learn more →RelatedSubcontractor Risk Transfer
Understand contracts, additional insured status and subcontractor controls.
Learn more →RelatedCommercial Auto for Contractors
Review fleets, trailers, drivers and hired/non-owned exposures.
Learn more →Have a renewal coming up?
Start with a conversation about your operation, current program and what you want to improve.