ROOFING CONTRACTOR INSURANCE

Insurance built for roofers—from tear-off to final inspection.

Insurance built for roofers—from tear-off to final inspection.

Specialized coverage for residential re-roofers, commercial roofing crews, and storm restoration contractors—including the height, hot-work, and workers’ comp exposures many carriers avoid.

Specialized coverage for residential re-roofers, commercial roofing crews, and storm restoration contractors—including the height, hot-work, and workers’ comp exposures many carriers avoid.

Roofer in a safety harness installing shingles on a pitched residential roof

01 / BUILT FOR THE REAL RISK

01 / BUILT FOR THE REAL RISK

Roofing is one of the hardest trades to insure. Getting a quote shouldn’t be.

Roofing is one of the hardest trades to insure. Getting a quote shouldn’t be.

Coverage shaped around your roofing work

Steep-slope or low-slope, shingle, metal, TPO, built-up, or torch-down—we place coverage that matches the systems you actually install, not a generic contractor form.

Built around the way your crews actually work

We review roof heights, hot-work methods, your residential vs. commercial mix, storm work, subcontracted crews, and payroll up front—so your policy doesn’t come back with exclusions you only discover after a claim.

Built to protect every crew, ladder, trailer, and roof deck.

Built to protect every crew, ladder, trailer, and roof deck.

Under 48 hours

Typical quote turnaround when the submission is ready.

Under 48 hours

Typical quote turnaround when the submission is ready.

Under 24 hours

Responsive support for certificates, contracts, and deadlines.

Under 24 hours

Responsive support for certificates, contracts, and deadlines.

All project types

Residential re-roofs, commercial, and new construction.

All project types

Residential re-roofs, commercial, and new construction.

All 50 states

Licensed nationwide to support local and multi-state growth.

All 50 states

Licensed nationwide to support local and multi-state growth.

Contractor tools prepared for a jobsite

02 / INDUSTRY EXPERIENCE

We know where roofing accounts get complicated—and address it early.

We know where roofing accounts get complicated—and address it early.

Roofing policies often carry height limits, heat-application exclusions, and new-construction restrictions buried in the endorsements, and workers’ comp is typically one of a roofer’s largest costs. We read the fine print before you bind and go to the markets that actually write roofing.

General liability

Bodily injury and property damage from ongoing and completed work, including interior water damage during tear-off and leak claims after the job is done.

Workers’ compensation

Coverage for one of construction’s highest-risk trades, with attention to correct class codes and payroll splits so you aren’t overpaying.

Tools & equipment (inland marine)

Ladders, lifts, nail guns, dump trailers, and materials in transit or staged on site.

Umbrella + commercial auto

Higher limits for GC and property owner contracts, plus coverage for trucks, trailers, and crews moving between jobs.

$2,500–$100K+

Coverage range across the roofing accounts we handle.

03 / COVERAGE THAT FITS

03 / COVERAGE THAT FITS

Markets that write roofing, and contracts you can sign with confidence.

Markets that write roofing, and contracts you can sign with confidence.

Carriers that actually want roofing

Through admitted and E&S carrier relationships, we place everyone from single-crew residential shops to commercial roofing contractors running multiple crews.

Contract review before requirements become problems

GCs, property managers, and commercial owners often require additional insured status on a primary and non-contributory basis, waivers of subrogation, and completed-operations coverage. We check your policy against the contract before you bid, and turn certificates around fast.

Licensed in all 50 states, serving owner-operator roofers, storm restoration contractors, and multi-crew commercial roofing companies.

Ready to protect your roofing business?

Ready to protect your roofing business?

Deep roofing expertise. Fast, clear support.

© 2026 - Fernstone Insurance Services

© 2026 - Fernstone Insurance Services

© 2026 - Fernstone Insurance Services