Roofing contractor insurance for work at height
Elevated work carries elevated risk: falls, property damage, equipment theft and auto exposure. We build programs for commercial and residential roofers, including hard-to-place risks, with specialty carriers that write the class.
Same-day certificates with additional-insured endorsements
Falls lead construction injuries
According to OSHA, falls are the leading cause of death in construction, which makes proper coverage important for every roofing operation. Since 1992 we've placed hard-to-place contractor risks, building programs that protect your crews, your clients and your business.
One bad day on a roof
Illustrative examples of how a single roofing incident escalates without the right coverage, and what responds.
A 25-foot fall onto concrete
A crew member falls 25 feet from a residential roof onto concrete, with spinal injuries requiring emergency surgery, extensive rehabilitation and permanent disability. Without workers' comp, the owner is personally liable, plus legal fees.
- Medical bills$320,000
- Lost wages and disability$280,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your operation
Every roofer starts with general liability, tools and equipment, and completed operations. Tell us how you work and we'll add what typically applies. A starting point for discussion, not a quote.
Your operation
Select everything that applies.
Coverage that typically applies
6 coverages — a starting point for a conversation, not a quote.
- General LiabilityFoundational third-party protection for every roofer.
- Tools & EquipmentLadders, power tools, safety gear and machinery.
- Completed OperationsDefects found after the job is finished.
- Workers' CompensationRequired once you have W-2 crew.
- Commercial AutoLiability and physical damage for company vehicles.
- Hired & Non-Owned AutoPersonal or rented vehicles used for the business.
From first call to certificate
Understand your operation
Steep-slope or flat, residential or commercial, crew size, payroll, vehicles, subcontractors and job types, with a Washington L&I class-code review.
Market to specialists
Roofing is hard to place, so we compare A-rated admitted markets with specialty and regional carriers that write high-hazard roofing, including new ventures and challenged histories.
Build the program
Liability, workers' comp, commercial auto, tools and equipment, completed operations, umbrella and bonds at contract-ready limits, with additional-insured endorsements and monthly payment options.
Certificates and service
Same-day certificates for new jobs, subcontractor certificate tracking, claims support from first notice and a direct line to an advisor who knows roofing is seasonal and time-sensitive.
Every policy a roofing program may need
Filter by type or search for a specific coverage.
General Liability
$1M–$2M for property damage, bodily injury, completed operations and legal defense against third-party roofing claims.
Completed Operations
Defects discovered after a project wraps: leaks, structural issues or workmanship problems that surface months or years later.
Commercial Umbrella
$1M–$5M of extra liability above your primary policies for claims that exceed standard limits.
Cyber Liability
Data breaches, ransomware and cyber incidents affecting customer information and operations.
Commercial Auto
Liability, collision and comprehensive for company trucks and vans, plus tools and materials in transit.
Hired & Non-Owned Auto
Employee personal vehicles used for business, rental trucks for large projects and temporary equipment hauling.
Tools & Equipment
Roofing tools, ladders, safety equipment and specialized machinery at the job site, in vehicles or at your shop.
Installation Floater
Materials and supplies at the job site before installation is complete.
Business Property
Your shop, warehouse, office equipment, inventory and business personal property against fire, theft and disasters.
Workers' Compensation
Mandatory coverage for employee injuries, medical expenses, lost wages and disability, with employer's liability.
Contractor Bonds
Bid, performance and payment bonds required for commercial and government roofing contracts.
Business Interruption
Lost income if a covered event shuts the business down.
Specialists who speak contractor
Construction focus
Since 1992 we've insured Pacific Northwest contractors. We understand roofing risk, Washington L&I, seasonal swings and OSHA requirements for elevated work.
Same-day certificates
Certificates with the right additional-insured endorsements for your GCs, plus tracking of your subcontractors' certificates so gaps don't fall back on you.
Claims and loss control
Claims managed end to end, and no-cost safety reviews informed by NRCA best practice to help lower premiums between claims.
Get your roofing contractor insurance quote
A quote built for your roofing operation, from crews and fleet to completed operations.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder, and the coverage builder is a starting point for discussion rather than a quote or coverage determination. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.