Roofing Contractor Insurance
Roofers Insurance That Actually Gets Written
Roofing is one of the toughest trades to insure — many carriers won't even quote it. We work with the ones that do. General liability, workers comp, commercial auto, and same-day certificates, shopped across 30+ carriers.
Insurance Built for How Roofers Actually Work
Most agents quote roofing the same way they quote an office — and that's why roofers end up overpaying, underinsured, or dropped at renewal. Roofing underwriters care about things generalists never ask: your residential-to-commercial mix, whether you do new construction or re-roofs, how high you work, whether you use torch-down or hot tar, and how you handle subs.
We ask those questions up front, package your account the way underwriters want to see it, and shop it across 30+ carriers — including regional and specialty markets that actually want roofing business. The result: better pricing, fewer exclusions, and a policy that holds up when you need it.
Need a certificate for a GC this afternoon? Same-day COIs, additional insureds, and waivers of subrogation are standard here — not a favor.
What We Cover
Complete Coverage for Roofing Contractors
We shop 30+ admitted and surplus lines carriers to build the right policy for your roofing operation — including coverage most generalist agents miss.
Same-Day Certificates of Insurance
Active policyholders get COIs issued same day — usually within the hour. Need a certificate naming a GC as additional insured before a job starts tomorrow? Call (815) 691-1111.
Most Important
General Liability
Bodily injury and property damage during operations and completed work. Rated on gross receipts, work mix, and hot-work exposure like torch-down or hot tar.
IL Required
Workers Compensation
Required in Illinois for roofers with employees — and roofing class codes are among the highest-rated in the book. Uninsured subs get added to your payroll at audit; we help you avoid that from day one.
Commercial Auto
Trucks, trailers, and dump equipment used for business — liability and physical damage. Personal auto excludes business use claims.
Tools & Equipment
Inland marine coverage for your gear on the truck, on the job, and in the yard — compressors, guns, kettles, tear-off equipment. Job site theft is the #1 claim we see.
Commercial Umbrella
Most commercial roofing contracts require $2M–$5M limits. Umbrella sits above your GL — available up to $10M+ through specialty markets.