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Illustrated street with a house mid re-roof, a ladder against the eaves, a purple bucket on the roof and a dump trailer full of old shingles, and across an open road a commercial building with a raised lift and a work truck

Roofing insurance

storm season
is busy season.

Liability, comp and trucks for roofers taking on storm repairs, re-roofs and commercial jobs. We shop carriers that write roofing, which not every carrier does.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

up on the roof,
covered.

Rain on an open deck, a fall, a trailer that clips a mailbox. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house with its roof torn open under a rain cloud and water dripping into the rooms, a ladder and shingle bundles on the lawn beside a purple hammer, an open toolbox with nail guns, and a pickup towing a dump trailer into a bent mailbox

general liability

Rain gets in before the roof is closed

Damage inside, unless your policy excludes it.

workers’ comp

A roofer falls from the edge

Medical bills and lost wages.

commercial auto

The dump trailer takes out a mailbox

Damage you cause on the road.

tools and equipment

A nail gun walks off the job

Guns, compressors and tools.

general liability

Rain gets in before the roof is closed

Damage inside, unless your policy excludes it.

Examples. Your policy sets the details.

the work changes
what we check.

Re-roofs, commercial flat roofs and storm work carry different risks. Pick yours.

Residential re-roofs

Steep roofs, open decks, weather.

We check how the policy treats rain getting in before the roof is closed, and what carriers want to see on fall safety.

we check first: Rain mid-job. Illustrated steep shingle roof mid re-roof, with shingle bundles, a loose board and a purple nail gun on the open deck

roofing businesses
usually carry.

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

storm damage?
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 homeowner’s details go to the carrier.

  3. 3. We push it through

    Repairs, the homeowner’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.

Ridgeline Roofing

your options

$38,500a year, 4 policies

3 options, same coverage

Option A$38,500

Option B$41,200

Option C$45,800

12 roofers3 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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growing by
acquisition?

Buying another roofing 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 roofing insurance.

What insurance does a roofing company need?
Most roofing companies carry general liability, workers’ comp once they have employees, commercial auto for trucks and trailers, and tools and equipment coverage for gear that travels. Many add an umbrella for larger contracts. What you need depends on the roofs you work on, your crew and your contracts.
Why is workers’ comp so expensive for roofers?
Roofing happens at height, and falls cause some of the most serious injuries in construction, so carriers rate roofing payroll higher than most trades. Your claims history and the safety program you can show also move the price. Reporting payroll accurately by type of work helps keep the year-end audit from surprising you.
Does general liability cover rain damage during a re-roof?
Often, when rain gets into the customer’s home because of your work, like an open deck that wasn’t tarped. Some policies limit or exclude water damage during roofing work, or set conditions on how the roof is protected overnight. The wording matters, so we check it before you rely on it.
Is torch-down or hot work covered for roofers?
It depends on the policy. Many carriers exclude hot work like torch-down and hot-applied systems, or cover it only with conditions such as a fire watch and an extinguisher on the roof. If you do this work, it has to be listed accurately so the policy responds to a fire.
Does my insurance cover storm work in other states?
Not automatically. General liability usually follows you across the country, but workers’ comp has to list the states where your crew works, and some states need coverage of their own. Licensing and registration rules change too. Tell us before you travel so your coverage and certificates match the work.

Insurance words, in plain English: waiver of subrogation · certificate of insurance · additional insured · primary and noncontributory · hold harmless agreement · per-project aggregate · completed operations · blanket endorsement

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA