Tailored Coverage. Competitive Rates. Exceptional Support.

It depends on payroll, revenue, the work you do (residential vs commercial, steep vs low-slope), claims history, and your state. Most small to mid-sized roofing contractors pay between $8,000 and $40,000 annually for combined general liability and workers' compensation. Workers' comp is almost always the biggest line item — in some states, the rate is over $30 per $100 of roofer payroll. Get a quote and we'll give you actual numbers, not a calculator estimate.

In nearly every state, yes — and it's one of the most common ways roofing companies get hit with a six-figure audit bill. If your subcontractor doesn't carry their own valid workers' comp policy, the auditor will treat their payroll as yours and charge you for it at the end of the policy year. We'll walk you through how to set up subcontractor agreements and certificate tracking the right way.

Most general contractors require a minimum of $1M per occurrence / $2M aggregate. For commercial work or storm-restoration teams, $2M / $4M is increasingly the norm. We help match your limits to the contracts you actually want to win — not just the cheapest policy on the page.

Class code 5551 (Roofing) is one of the highest-risk classifications NCCI tracks. Falls from height drive both workers' comp severity and general liability claims. The good news: carriers that specialize in roofing price it more competitively than generalist insurers. We only place coverage with carriers that actively want roofing accounts.

Same day in most cases. Once coverage is bound, we issue COIs to additional insureds, GCs, or property managers within a few hours. We can also set up automatic certificate delivery for repeat customers.

Yes. We work with carriers admitted in all 50 states, including monopolistic workers' comp states (North Dakota, Ohio, Washington, Wyoming) where coverage has to come through the state fund.