Roofing insurance — faster, cheaper, easier.
Torch-down, steep-slope, sub-heavy crews — the reasons other brokers surcharge roofers are the risks we place every week.
Based on roofing, your broker will typically quote:
You don’t pick coverages — that’s our job. Your broker confirms this list on the first call.
What roofers buy
Five lines cover most roofing operations.
Your broker builds the exact stack around your work mix — you don’t need to know any of this before you call.
The hard part
Why roofers get bad quotes — and what we do about it.
Torch-down gets you lumped in
Most standard markets surcharge or decline any hot work, no questions asked. One torch kettle and your whole book gets priced like a fire risk.
How we place it
We submit to carriers that rate torch-down separately and document your fire-watch procedure — so you pay for your actual practice, not a blanket assumption.
Too much sub labor
Past roughly 25% subcontracted labor, many markets simply walk. Understating the ratio on the application only voids coverage when you need it.
How we place it
We place sub-heavy shops weekly. The fix is the right carrier plus clean sub COI collection — we set both up, honestly declared.
Height caps at three stories
A lot of carriers stop writing roofers past three stories. If you touch mid-rise commercial, standard submissions come back declined or absurd.
How we place it
We go straight to the markets that write mid-rise, instead of hoping an underwriter makes an exception for you.
100+
carrier partners, including the specialty markets that actually want roofing.
24–48h
to first quotes for most roofing operations, torch-down included.
Same day
COIs after you bind — your GC doesn’t wait on us.
Common questions
Roofing insurance, answered.
How much does roofing insurance cost?
It depends on payroll, receipts, work mix, and claims history. As a rough anchor, General Liability for a small residential crew often runs $3,000–$8,000 a year; hot work and commercial height push it up. We quote your actual mix rather than a generic roofing rate.
I got declined for torch-down work. Can you still place me?
Usually, yes. Declines for hot work mostly mean the submission went to markets that exclude it by default. We work with carriers that rate torch-down on its own terms — expect questions about your fire-watch procedure and kettle handling.
How fast can I get a COI for a general contractor?
Same day once you’re bound. After that, certificates are self-serve — pick the holder, download, done. Your GC doesn’t wait on an agency’s office hours.
What do you need from me to quote?
Your state, crew size and sub ratio, a payroll estimate, and your work mix — residential vs. commercial, steep vs. flat, any torch-down. Loss runs help if you have them; we’ll work with whatever you can send.
Do my subcontractors need their own coverage?
Yes — and you should collect a COI from each one. Your GL can pick up uninsured subs, but your premium is rated on the ratio, so clean sub paperwork directly lowers what you pay.
I’m a brand-new roofing business. Can I get covered?
Yes. New ventures pay more for the first 12 months, but several of our markets write them — expect questions about your own years on a crew before you owned the business.
Get your roofing quote. It costs nothing to look.
Call (513) 866-3655Three minutes now, real quotes in 24–48 hours. If your current program is already the best deal out there, we’ll tell you that too.