Comprehensive Coverage for Your Trade
Expert insurance solutions for roofing contractors in Bergen County. We specialize in high-risk coverage with competitive rates through carriers who understand roofing.
General Liability with roofing classification
Workers Compensation (highest rates in construction)
Commercial Auto with high limits
Fall protection liability coverage
Weather-related project extensions
Completed operations essential
Worker or third-party falls from roofs
Damage to building interior from roof work
Materials blown off roof causing damage
Hot work causing fires during installation
Leaks after completion causing damage
Winter-related roof and gutter damage
High-limit coverage for roofing risks
Essential coverage with safety programs
Trucks, trailers, and equipment hauling
Critical extra protection for severe claims
Ladders, compressors, and roofing tools
Lost income from weather delays
Roofing has one of the highest injury rates in construction. Workers comp can be 20-40% of payroll, and GL rates reflect the severe fall exposure. However, we work with specialized carriers who offer competitive rates for safety-conscious roofers.
Yes, but hot work increases premiums significantly. Some carriers exclude it entirely. Having hot work permits, fire extinguishers on site, and fire watch procedures helps secure coverage. We know which carriers accept this work.
Fall protection programs, safety harness requirements, weekly toolbox talks, and drug testing can reduce premiums 10-25%. Some carriers offer significant discounts for certified safety programs and OSHA training.
Solar work requires additional coverage and often professional liability for system design. Electrical work may need separate classification. We can arrange comprehensive coverage for roofers expanding into solar.
Protect your business with comprehensive insurance coverage