Roofing contractors typically need general liability, workers compensation, commercial auto, and tools coverage, plus an umbrella. The market is restrictive: height limitations, residential-roofing limits, and hot-work or torch exclusions are common and must be checked against the work you actually do.
Why roofing is high-hazard
Falls are the leading construction hazard, and roofing concentrates that exposure. That makes workers compensation costly and class codes critical, and it makes general liability harder to place with carriers that limit or exclude height, certain roofing methods, or hot work. The wrong exclusion can quietly void coverage for exactly the work you do, so the policy has to be read against your operations, not assumed.
The coverage stack
General liability is the base, and the exclusions are where the attention goes. Workers compensation is a major cost and must reflect accurate roofing class codes and payroll. Commercial auto covers trucks, and tools and equipment covers ladders, lifts, and gear. An umbrella raises limits to what commercial and GC contracts require, subject to the underlying roofing exclusions following through.
Watch the exclusions
Roofing policies commonly carry height restrictions, limits on residential or steep-slope work, and torch or hot-work exclusions. A certificate can look fine while the policy excludes your core operation. We read the exclusions against the jobs you take, flag the ones that would deny a real claim, and place coverage with carriers whose appetite actually fits roofing.
How we handle it
We match you to carriers that write roofing and read the exclusions carefully, height, methods, and hot work, against your operations. We confirm workers comp class codes and payroll are accurate. We add the certificates, additional insured, and waiver wording your contracts require. And we coordinate an umbrella that follows the underlying coverage.
