CR-42 · C-42 · R-42

Insurance for Arizona roofing contractors — a hard market deserves a broker who shops it.

Roofing is one of the harder classes to place: fewer carriers, height and hot-work exclusions, high workers’ comp rates and demanding GC contracts. An independent broker with access to many carriers matters more here than almost anywhere.

Get my free coverage review → Book a 15-minute call (623) 323-8385

What we check for you

Height, hot-work and residential/commercial restrictions on your GL
Roofer class codes and your experience mod
Sub and crew certificates before audit
Trucks, trailers, hoists and equipment
Contract endorsements and umbrella limits

Who this is for

Roofing licenses — residential, commercial and dual.

Shingle, tile, foam, TPO and built-up roofing contractors, re-roof and repair specialists, and roof coating contractors across Arizona.

CR-42Roofing (dual)C-42Roofing (commercial)R-42Roofing (residential)

Classification names are summarized. DANESURE is not affiliated with the Arizona Registrar of Contractors — confirm your license on roc.az.gov. Hold a license not listed here? See every trade we work with or just send us your policies.

Contract requirements you’ll see

What GCs, HOAs and property owners ask roofers for.

Roofing contracts often layer extra requirements on top of the standard list:

Additional insured status for the GC and owner, including completed operations (often on CG 20 10 / CG 20 37 forms or their equivalents)
Primary & non-contributory wording, so your policy pays before theirs
Waiver of subrogation on GL, workers’ comp, auto and umbrella
Per-project aggregate so one job can’t use up the limit for every other job
Minimum limits — commonly $1M per occurrence / $2M aggregate, plus an umbrella
No exclusion for hot work (torch-down) or for the building height involved

Send us the insurance page of your contract

Before you sign, forward the insurance requirements (usually an exhibit or a paragraph titled “Insurance”). We’ll tell you what your current policies already meet, what needs an endorsement, and what it would cost to close the gap — before the GC’s risk manager rejects your certificate.

Upload policies & contract

Coverage

Coverage for crews working at height.

Every line priced at minimum, standard and higher limits — with your contract requirements as the floor, not an afterthought.

Liability

General liability

We read for height limits, hot-work exclusions, residential/commercial restrictions and completed-operations terms.

Workers’ comp

Workers’ compensation

Roofing is a high-rated class. Correct payroll allocation and an accurate experience mod matter a lot.

Auto

Commercial auto

Trucks, dump trailers and material haulers.

Equipment

Contractors equipment

Hoists, conveyors, kettles, compressors and tools.

Excess

Umbrella / excess

Often required on commercial and HOA re-roofs.

Bonds

License & contract bonds

License and contract bonds: tell us what you need (ROC license bond, bid, performance or payment bond) and we’ll check whether we can place it through our network. We can’t promise every bond, but we’ll give you a straight answer.

Typical risks

Where roofing contractors get hurt.

Falls — and a workers’ comp premium that follows your loss history for years
Interior water damage during a tear-off when a storm rolls in
Fire from torch or kettle work excluded under a hot-work exclusion
Uninsured crews added to your payroll at audit
Carrier non-renewals that leave you shopping at the last minute

How it works

Honest timing, start to finish.

Send us what you haveUpload your dec pages or policies (GL, workers’ comp, auto, equipment, umbrella) or email them to [email protected]. Add your EMR worksheet and a sample contract’s insurance section if you have them.
Written Cost & Risk report within 24 hours of receiving your documentsWe read every line: class codes, experience mod, limits against your contract requirements, endorsements, exclusions and gaps. This is the review — not carrier quotes.
A 15-minute callWe walk you through what we found, in plain English. If nothing needs fixing, we tell you that — you keep the report either way.
If you want options, we shop itWe market your account to multiple carriers in our network. Carrier quotes typically take 1–2 business days once underwriters have what they need (payroll by class, loss runs, vehicle and equipment lists).

FAQ

Roofing contractor insurance questions.

Why is roofing insurance so hard to place?

Fewer carriers write roofing, and those that do often limit height, hot work or residential vs. commercial work. An independent broker can take your account to more of them.

What is a hot-work exclusion?

Some roofing policies exclude fires caused by torch-down or kettle work, or require specific safety procedures. If you do that work, the policy needs to allow it.

How do subcontracted crews affect my workers’ comp?

If a crew can’t show its own valid workers’ comp certificate, the carrier may add what you paid them to your payroll at audit — at the roofing rate. Collect current certificates before the job starts.

When should I start shopping my renewal?

For roofing, 60–90 days before expiration is sensible. We need loss runs and payroll by class; carrier quotes typically take 1–2 business days once underwriters have what they need, longer for tougher risks.

Free coverage review

Send us your policies. Get a straight answer in 24 hours.

A written Cost & Risk report within 24 hours of receiving your documents, then a 15-minute call. No cost, no obligation, no pressure to switch.

Start my free coverage review → Book a 15-minute call

No policy yet? New ROC license — get covered to start work · Or call (623) 323-8385