IndustriesRoofing
Roofing insurance
Roofing is one of the highest-risk trades in construction. Falls are the leading hazard, and an open roof exposes the whole building to water damage.
Risks on the jobRoofing
- Falls from roofs and ladders
- Water entering the building while the roof is open
- Fire from torch-applied roofing
- Higher workers' compensation rates for the roofing classification
Coverage commonly carriedCoverage
- General liability. Claims of bodily injury and property damage to others arising from your work.
- Workers' compensation. Medical costs and lost wages for employees injured on the job.
- Commercial auto. Trucks, vans and trailers owned or used by your business.
- Tools and equipment. Tools and equipment on the job site, in transit and in storage.
- Commercial umbrella. Higher liability limits above your general liability, auto and employer's liability.
QuestionsFAQ
Why is roofing insurance harder to place?
Many insurers treat roofing as a higher-risk class because of falls and water damage claims. Some roofing coverage is placed with specialty insurers.
Does general liability cover water damage during a reroof?
Water damage to the building and contents caused by your work is generally covered, subject to the policy's terms and any roofing-specific limitations.
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