General Liability with Completed Operations Extension
Responds to third-party injury and property damage from your roofing work, including leaks and wind-uplift failures after the job closes.
Read the General Liability guideWhat Roofing insurance covers
The full roofing insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 9
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most operations
Workers Compensation (NCCI Class 5551)
Pays medical costs and lost wages for crew injuries under one of the highest-rated codes in the NCCI manual.
Read the Workers Compensation guideCommercial Auto
Insures trucks, dump trailers, and crew vehicles used for work, since personal auto excludes any business-titled vehicle.
Read the Commercial Auto guideRecommended
Common across most operations
Inland Marine for Tools and Equipment
Protects nail guns, compressors, torches, ladders, and fall-protection gear against theft and damage on the job or in transit.
Read the Inland Marine guideUmbrella and Excess Liability
Extends underlying GL, auto, and employers liability limits to reach the total commercial GCs require on subcontracts.
Read the Umbrella Insurance guideHot Work Endorsement
Restores fire-damage coverage for torch-down and kettle work that many GL forms exclude or heavily restrict.
Situational
Depends on your specific operation
Installation Floater
Wraps shingles, TPO rolls, insulation boards, and fastener stock staged on site before installation and acceptance.
Read the Inland Marine guideUninsured Subcontractor Coverage
Contains the audit exposure when 1099 piece crews cannot produce their own certificate of insurance.
Builder's Risk on Larger Reroof Projects
Shields the in-progress structure during a reroof when the deck is open and exposed to wind and water.
Read the Builder's Risk guideGo deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your policy and a licensed advisor benchmarks your roofing insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
Your quote
AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.