Insurance for roofers

Roofing is hard to place. We place roofers every week.

A lot of agents hear roofing and stop returning calls. We place roofers every week.

What we place

The roof, the hot work, and the hail map all belong in the policy.

General liability for residential re-roofs and commercial low-slope work.
Workers' comp for roofing payroll, with the right split between field labor and estimating or office work.
Commercial auto, tools and equipment, bonds, and umbrella protection when the job calls for it.

What trips up your trade

Steep-slope or low-slope work, tear-off or overlay, and the tallest building you work on all matter.
Torch-down or other hot work is often excluded unless it is listed on the policy.
Subcontracted work and storm work across Minnesota, Iowa, or Nebraska have to be disclosed before the claim.
Roofing carries one of the highest workers' comp rates, so payroll classification has a real impact.

What we need to quote

Steep-slope or low-slope, tear-off or overlay, and the tallest building you work on.
Whether you do torch-down or other hot work.
How much work you subcontract.
Every state where you work, including storm work across state lines.
Your payroll split between roofing labor and estimating or office work.

Bring your current declarations page if you have it, along with the details on your roofs, payroll, and the states you follow storms into.