Roofing is one of the most dangerous trades and one of the most expensive to insure. InsuranceBind works with specialty carriers to find roofing contractors the most competitive rates without sacrificing coverage.
Fall hazards, weather exposure, and high-value property damage make roofing one of the highest-risk trades for insurance claims.
Falls & Height Injuries
Roofing has the highest fatality rate in construction — fall injuries drive significant workers' comp costs.
Property Damage Claims
Damage to gutters, siding, windows, or interior from roofing work or dropped materials.
Incomplete Work Water Damage
Rain entering a partially completed roof can cause extensive interior water damage and mold.
Completed Operations Liability
Leaks discovered years after installation lead to expensive lawsuits alleging faulty workmanship.
Storm Chasing Liability
Hail and wind storm response work creates unique fraud and warranty claim exposures.
Roofing contractors need specialized coverage including high limits, strong completed operations, and workers' comp with height-work classifications.
Property damage, bodily injury, and completed operations coverage for roofing work.
Critical for roofers — covers fall injuries, medical bills, and lost wages for employees.
Protects roofing materials stored on-site or in transit against theft and damage.
Coverage for trucks, trailers, and vehicles transporting roofing materials.
Excess limits protection for catastrophic property damage or serious fall injury lawsuits.