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Illustrated street with a two-story house in new lap siding, a seamless gutter and a ladder at the eave on one side, and a pickup under a tree towing a gutter forming machine with a purple coil on its rack on the other

Gutter and siding contractor insurance

the whole house,
gutters to
cladding.

Liability, comp, trucks and equipment for exterior crews who work at height, from gutter runs to full siding jobs and storm repair.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A leak, a fall, a trailer left open. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house with a water stain spreading down a bedroom wall into a bucket, a downspout hanging loose at the eave, an extension ladder fallen on the lawn beside a purple caulk gun, and a pickup towing a gutter machine with the trailer’s toolbox hanging open and a cut padlock on the road

general liability

Water gets in behind the new siding

Damage to the customer’s home from your finished work.

workers’ comp

An installer falls when the ladder slides

Medical bills and lost wages.

commercial auto

The trailer swings wide on a tight street

Damage you cause on the road.

tools and equipment

The trailer toolbox gets cleaned out

Brakes, lifts and tools, on the job or on the road.

general liability

Water gets in behind the new siding

Damage to the customer’s home from your finished work.

Examples. Your policy sets the details.

the work changes
what we check.

Gutters, siding and roofline repair carry different risks. Pick yours.

Gutter work

Height, water and a machine on the trailer.

We check the height and roof edge access the policy accepts, and how the trucks, trailers, coils and forming machine are covered.

we check first: Height and roof edge access. Illustrated seamless gutter machine on sawhorses running out a length of gutter, a coil of aluminum, downspout elbows and hangers, a ladder and purple tin snips

gutter and siding businesses
usually carry.

Put them on one program and we shop them together at every renewal.

water got in?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Clearline Exteriors

your options

$17,200a year, 4 policies

3 options, same coverage

Option A$17,200

Option B$18,900

Option C$20,600

6 installers3 trucksCharlotte, NCClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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guides
exterior crews ask for.

Each coverage on an exterior job, in plain English.

growing by
acquisition?

Buying another gutter and siding shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about gutter and siding contractor insurance.

What insurance does a gutter and siding business need?
Most gutter and siding contractors carry general liability, workers’ comp once they have employees, commercial auto for trucks and trailers, and tools coverage for brakes, forming machines and lifts. Homeowners and property owners often ask for proof of liability before setup. What fits depends on your work, your crew and your contracts.
Does general liability cover water damage after the siding is done?
It can cover damage to someone else’s property caused by your finished work, under the completed operations part of the policy. Redoing the siding or flashing itself is a separate question from the wall, floor or contents the water reached. Exclusions and policy dates matter, so the wording is worth reading closely.
What affects the price of gutter and siding insurance?
Mainly how high the crew works, ladders and lifts, siding materials, roof edge work, removal and new construction, plus payroll, trucks and equipment. Limits, deductibles and claims history move it too. We compare limits and exclusions alongside the premium, so you compare more than the payment.
Why do height, water management and material type matter?
Working height and how the crew gets there shape employee and liability risk. Flashing, wrap, gutters and siding decide where water goes, which drives claims on finished work. Carriers also want to know the materials, any hot work or removal, and any roof or window work, so the full job should be described accurately.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA