Construction & tradesE&S market

Roofers

Roofing contractors installing and repairing residential and commercial roofs.

Why it needs cover

The exposure

Roofing is high-hazard: falls from height, hot-work fire exposure, and water-intrusion claims after installation. Claim severity is high, so carriers scrutinize crew size, subcontracting, and residential vs. commercial mix.

What we place

Coverages this class usually needs

General liabilityOften (license)

Injury/property damage and completed-operations (post-install leaks)Height and water-intrusion exposure

Workers' compensationRequired (with employees)

Injured-worker medical/wagesFall risk is severe

Commercial autoRequired (owned vehicles)

Trucks and vehiclesMobile crews

Inland marine (tools)Optional

Tools and equipmentPortable gear

Commercial umbrellaOften (contract)

Excess limitsContract requirements

What it costs

National benchmark premiums

Rated on: Payroll (WC) and revenue (GL)

General liability

$267/mo

BOP

$98/mo

Workers' comp

class code 5551 (roofing, all kinds), roughly $25-$45 per $100 payroll in voluntary markets and $80+ in assigned risk; roofer WC averages ~$254/mo

Total annual (typical)

$2,400-$6,300/yr common range for small operators

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Roofing/Construction cost); CPR Brokers (NCCI 5551); ContractorsInsured.

When it goes E&S

Where this risk gets hard to place

Roofing is one of the hardest trades to place in the admitted market; height, hot-work, and steep-slope exposure routinely push it to E&S/surplus lines.

Contact

Talk to us about Roofers.

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.