Roofing is one of the harder classes to place. Fewer carriers write it, and those that do often look closely at roof heights, hot work such as torch-down, and the split between residential and commercial work. Some roofing accounts are placed in specialty (excess and surplus) markets. This guide explains the coverage roofers typically carry and what to have ready before a call with a licensed DANESURE advisor.
Grouped by when most contractors need it. Your own list depends on your operations and each carrier’s underwriting.
Pays if your work damages someone's property or injures someone. Completed operations covers claims that show up after the job is finished, which is when many defect claims arrive. Most contracts ask for proof of it. For roofers, look closely at height limits, hot-work exclusions and residential or commercial restrictions.
Pays medical bills and lost wages if an employee is hurt on the job. Most states require it once you have employees, full-time or part-time. Helpers paid as 1099s who can't show their own coverage can be counted as your employees at audit. Roofing is a high-rated class, so correct payroll allocation matters.
Covers trucks, vans and trailers used for the business. A personal auto policy often won't pay a claim that happens while the vehicle is being used for work.
Covers your tools, ladders, hoists, kettles and equipment, and materials stored or on site. General liability and auto don't cover your own tools and equipment.
Extra limits on top of general liability and auto. Often required on commercial and HOA re-roofs.
Bid, performance and payment bonds are surety products, not insurance. They're underwritten separately on your experience and financials.
Many general contractors, owners and property managers require additional insured status, primary & non-contributory wording and a waiver of subrogation. A certificate only shows coverage; those protections exist only if the policy is endorsed for them.
Tell us about your business and a licensed DANESURE advisor will call you at the time you choose.
This guide is general information to help you prepare. It isn't a coverage recommendation, a quote, or a promise of coverage — what you need depends on your operations and each carrier's underwriting. A licensed DANESURE advisor will review your situation with you.
DANESURE, Inc. · Arizona agency license #3004238332