Insurance Fundamentals
Audits, class codes, certificates of insurance, ghost policies, subcontractor exclusions, and what every roofing owner gets wrong about coverage.
The Roofing Contractor's Insurance Audit Survival Guide
How to prepare for a workers' comp or GL audit, what auditors look for, and how to avoid a six-figure surprise.
NCCI Class Code 5551 Explained
What class code 5551 covers, why it's rated the way it is, and how to make sure you're not paying for the wrong code.
Certificates of Insurance (COI) for Roofers
How to read a COI, what to ask for from your subs, and how to issue them to your customers.
Ghost Policies — Why They're a Trap
How ghost workers' comp policies work, why they're sold, and what happens when you get caught using one.
Subcontractor Insurance Requirements for Roofers
What you need to require from every subcontractor before they pick up a tool on your job site.
Why Roofing Insurance Costs More Than Other Trades
The actuarial reality of working at height and how it shapes premium.
A Plain-English Insurance Glossary for Roofers
Every insurance term you'll see on a quote or COI, defined in plain English.
How Much Does Roofing Insurance Cost?
Real numbers, real ranges, and the variables that drive them.