Coverage requirements

Roofing Installation Contractors

Construction & Trade Contractors74% completeness
Run gap analysis

Last updated August 2026 · Maintained and reviewed by the Advocate Insurance Consultants coverage research team.

Overview

What an adequately protected Roofing Installation Contractors program looks like

Roofing contractors install and repair roofs of various construction types on residential and commercial buildings. Crews work at heights and around customers' property throughout each project. Workers' compensation and premises and operations liability are the leading exposures, driven by the frequency and severity of worker injuries and the potential for property damage. Roofing installation contractors are the focus of this Advocate Standard profile, which benchmarks the coverages that matter most, including Auto Liability, Auto Physical Damage, General Liability, Surety, Pollution Liability, and enforces limit, deductible, and carrier-quality standards that protect the balance sheet.

Key takeaways

  • Spans 146 published requirements across 42 coverage type-peril pairs.
  • Applies to 2 asset types: Contractor, Industrial.
  • Covers 16 coverage types and 14 distinct perils.

At a glance

0
Requirements
0
Coverage types
0
Perils
0
Asset types

Completion score

0%

9 of 42 WIM pairs required

Coverage tower

Required limits by coverage type and peril

Property8 coverage types

Fidelity Bond

Overall limit$100K

Business Income

Flood≥ Business Income Amount for Buildings in an SFHA
TRIA - Property≥ Business Income Amount
Earthquake≥ Business Income Amount
Named Storm≥ Business Income Amount
Water / Sewer Backup≥ Business Income Amount
Wildfire≥ Business Income Amount
Wind Hail≥ Business Income Amount
Overall limit≥ Business Income Amount

Physical

Flood≥ RCV / Insurable Value of First 2 Floors Above Grade + any Floors Below Grade of Buildings Located in an SFHA
TRIA - Property≥ RCV of Existing Structure / Insurable Value
Earthquake≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Water / Sewer Backup≥ RCV of Existing Structure / Insurable Value
Wildfire≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value

Builder's Risk

Overall limit≥ RCV of Existing Structure / Insurable Value

Business Personal Property

Overall limit≥ RCV of Existing Structure / Insurable Value

Inland Marine

Fire≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Theft≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Water Damage≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value
Overall limit≥ Value of Property in Care, Custody, or Control / Scheduled Inland Marine Value

Limited Fungus

Overall limit$15K

Ordinance or Law

Earthquake≥ RCV of Existing Structure / Insurable Value
Flood≥ RCV of Existing Structure / Insurable Value
Named Storm≥ RCV of Existing Structure / Insurable Value
Wind Hail≥ RCV of Existing Structure / Insurable Value
Overall limit≥ RCV of Existing Structure / Insurable Value
Liability8 coverage types

General Liability

Overall limit$2M
Assault & Battery$5M

Auto Liability

Hired & Non-Owned Auto$5M
Owned Auto$5M
Overall limit$5M

Disability Liability

Overall limit$2M

Employer's Liability

Overall limit$2M

Worker's Compensation

Overall limit$500K

Pollution Liabiltiy

Overall limit$2M

Surety

Overall limit$2M

Terrorism Liability

TRIA - Liability$2M
Overall limit$2M

Requirements

Full requirement set for Roofing Installation Contractors

Every requirement in the Advocate standard, 146 rows across limits, deductibles, carrier rating, and presence checks. Search and filter to drill in.

Group
Type
Peril

Showing 50 of 146 matching · 146 total

RequirementPerilRequirement typeApplicabilityRequirement
Property › Builder's RiskAcceptable Blanket Builder's Risk DeductibleOverallDeductibleBlanketBlanket Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income DeductibleOverallDeductibleBlanketBlanket Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Blanket Business Income Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Named Storm DeductibleNamed StormDeductibleBlanketBlanket Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Blanket Business Income Wind Hail DeductibleWind HailDeductibleBlanketBlanket Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Blanket Business Personal Property DeductibleOverallDeductibleBlanketBlanket Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Blanket Inland Marine DeductibleOverallDeductibleBlanketBlanket Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Blanket Limited Fungus DeductibleOverallDeductibleBlanketBlanket Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Blanket Ordinance or Law DeductibleOverallDeductibleBlanketOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical DeductibleOverallDeductibleBlanketBlanket Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Blanket Physical Earthquake DeductibleEarthquakeDeductibleBlanketBlanket Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Blanket Physical Named Storm DeductibleNamed StormDeductibleBlanketBlanket Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Blanket Physical Wind Hail DeductibleWind HailDeductibleBlanketBlanket Physical Wind Hail deductible must not exceed 5% of the insured value.
Property › Builder's RiskAcceptable Scheduled Builder's Risk DeductibleOverallDeductibleScheduledScheduled Builder's Risk deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income DeductibleOverallDeductibleScheduledScheduled Business Income deductible must not exceed $50,000.
Property › Business IncomeAcceptable Scheduled Business Income Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Business Income Earthquake deductible must not exceed 10% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Named Storm DeductibleNamed StormDeductibleScheduledScheduled Business Income Named Storm deductible must not exceed 5% of the insured value.
Property › Business IncomeAcceptable Scheduled Business Income Wind Hail DeductibleWind HailDeductibleScheduledScheduled Business Income Wind Hail deductible must not exceed 5% of the insured value.
Property › Business Personal PropertyAcceptable Scheduled Business Personal Property DeductibleOverallDeductibleScheduledScheduled Business Personal Property deductible must not exceed $50,000.
Property › Inland MarineAcceptable Scheduled Inland Marine DeductibleOverallDeductibleScheduledScheduled Inland Marine deductible must not exceed $50,000.
Property › Limited FungusAcceptable Scheduled Limited Fungus DeductibleOverallDeductibleScheduledScheduled Limited Fungus deductible must not exceed $50,000.
Property › Ordinance or LawAcceptable Scheduled Ordinance or Law DeductibleOverallDeductibleScheduledOrdinance or Law deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical DeductibleOverallDeductibleScheduledScheduled Physical deductible must not exceed $50,000.
Property › PhysicalAcceptable Scheduled Physical Earthquake DeductibleEarthquakeDeductibleScheduledScheduled Physical Earthquake deductible must not exceed 10% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Named Storm DeductibleNamed StormDeductibleScheduledScheduled Physical Named Storm deductible must not exceed 5% of the insured value.
Property › PhysicalAcceptable Scheduled Physical Wind Hail DeductibleWind HailDeductibleScheduledScheduled Physical Wind Hail deductible must not exceed 5% of the insured value.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
General › AllDo Not Allow Premium FinancingOverallOtherAllPremium-financed insurance is not accepted.
Liability › General LiabilityElevated GL Aggregate for Subcontracted WorkOverallLimitAllContractors subcontracting significant work must carry a GL aggregate of at least $2,000,000.
Liability › General LiabilityExcess / Umbrella Required for Elevated WorkOverallLimitAllContractors performing elevated or high-rise work must carry umbrella limits of at least $5,000,000.
Liability › General LiabilityExtended Completed Operations for Residential ConstructionOverallLimitAllResidential contractors must carry a Products-Completed Operations aggregate of at least $2,000,000.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have AM Best rating >= A- and size >= VII.
General › AllInsurance Carrier RatingOverallCarrier RatingAllCarrier must have an AM Best Rating that meets the required Letter and Financial Size ratings.
Liability › Worker's CompensationStatutory Workers Compensation ConfirmedOverallOtherAllWorkers Compensation must be at statutory limits with Employers Liability.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto Excess/Umbrella LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Hired & Non-Owned Auto LimitHired & Non-Owned AutoLimitAllHired & Non-Owned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto Excess/Umbrella LimitOwned AutoLimitAllOwned Auto excess/umbrella sublimit must be at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability - Owned Auto LimitOwned AutoLimitAllOwned Auto sublimit must be at least $1,000,000.
Liability › Auto LiabilitySufficient Auto Liability Excess/Umbrella LimitOverallLimitAllAuto Liability must carry an excess/umbrella limit of at least $5,000,000.
Liability › Auto LiabilitySufficient Auto Liability LimitOverallLimitAllAuto Liability must carry a combined single limit of at least $1,000,000.
Property › Builder's RiskSufficient Blanket Builder's Risk LimitOverallLimitBlanketBlanket Builder's Risk limit must be at least the RCV / insurable value.
Property › Business IncomeSufficient Blanket Business Income - Certified Acts of Terrorism LimitTRIA - PropertyLimitBlanketBlanket Business Income (Certified Acts of Terrorism) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Earthquake LimitEarthquakeLimitBlanketBlanket Business Income (Earthquake) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Named Storm LimitNamed StormLimitBlanketBlanket Business Income (Named Storm) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Water / Sewer Backup LimitWater / Sewer BackupLimitBlanketBlanket Business Income (Water / Sewer Backup) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wildfire LimitWildfireLimitBlanketBlanket Business Income (Wildfire) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income - Wind Hail LimitWind HailLimitBlanketBlanket Business Income (Wind Hail) limit must be at least the 12-month business income value.
Property › Business IncomeSufficient Blanket Business Income LimitOverallLimitBlanketBlanket Business Income limit must be at least the 12-month business income value.
Property › Business Personal PropertySufficient Blanket Business Personal Property LimitOverallLimitBlanketBlanket Business Personal Property limit must be at least the RCV / insurable value.
Property › Inland MarineSufficient Blanket Inland Marine - Fire LimitFireLimitBlanketBlanket Inland Marine (Fire) limit must be at least the value in care, custody & control.

96 more requirements

Compliance

Who requires Roofing Installation Contractors

  • Roofing installation contractors insurance is required by the builders, owners, and lenders who depend on weathertight roofs.
  • General contractors and homebuilders require a certificate of insurance with additional insured and waiver of subrogation endorsements before roofing crews mobilize, because falls and property damage are frequent.
  • Commercial property owners and facility managers verify general liability and workers' compensation on re-roofing projects, while community associations and property managers require proof of coverage for multifamily work.
  • Sureties issuing bonds review financials, property owners and general contractors place builder's risk on the structure, and brokers coordinate workers' compensation and completed operations limits because injury severity and leak-related property damage are the roofing trade's leading exposures.

Carrier standard. Carrier must have AM Best rating >= A- and size >= VII.

Advocate runs these checks automatically for the brokers who place construction & trade contractors coverage.

Exclusions

What Roofing Installation Contractors does not cover

  • Roofing installation contractors insurance still has limits.
  • General liability contains a pollution exclusion, so bitumen fumes and vapor claims respond only under the separate pollution liability line that is carried.
  • This roofing program leaves out cyber, employment practices, and directors and officers coverage.
  • The cost to redo the contractor's own defective roof ("your work") is excluded, though resulting interior water damage may respond.
  • Roof fires from hot-work operations may face restrictions, and heating bitumen on premises raises a property exposure.
  • Professional liability for design advice is not included.
  • Owned tools, kettles, and equipment rely on inland marine and physical damage sections rather than general liability, and cash-payroll practices can raise crime concerns.

Risk advisory

Typical coverage gaps in Construction & Trade Contractors

Roofing installation contractors carry the industry's most severe workers' compensation exposure because falls from roofs are both frequent and catastrophic, so confirm limits and safety programs reflect that.

  • Premises-operations liability is the other leading exposure, driven by roof fires from hot-work and torch-down operations and by weather damage when a roof is left open.
  • Verify general liability responds to resulting interior water damage from leaks, and confirm the completed operations tail, since leaks surface after project sign-off.
  • If the firm heats bitumen on premises or performs hot work, review the property fire exposure and any hot-work restrictions.
  • Because bitumen transport raises auto exposure, confirm commercial auto limits.
  • Evaluate the pollution line for fume and vapor claims, schedule kettles and tools on inland marine, and address crime coverage if crews are paid in cash.
  • Document safety compliance to defend fall and fire claims.

FAQ

Frequently asked questions

What insurance do roofing contractors need?

Roofing contractors typically need general liability with completed operations, workers' compensation, employer's liability, commercial auto, inland marine for tools and kettles, surety bonds, and often pollution liability for bitumen fumes. Because falls are frequent and severe, workers' compensation is the leading coverage, and general contractors require additional insured status before crews mobilize.

Why is workers' compensation so expensive for roofers?

Workers' compensation is expensive for roofers because falls from roofs are both frequent and severe, producing some of construction's costliest injury claims. Carriers price this elevated risk into premiums, and strong fall-protection programs, training, and safety documentation are essential both to reduce injuries and to keep this leading coverage affordable for roofing contractors.

Does roofing insurance cover leaks after the job is done?

Roofing insurance addresses leaks after completion through products-completed operations general liability, which can respond to resulting interior water damage to the customer's property. However, the cost to repair the contractor's own defective roof is excluded as 'your work,' so maintaining the completed operations tail and documenting proper installation are both important for leak-related claims.

Do roofing contractors need pollution liability?

Roofing contractors may need pollution liability when they use hot bitumen, torches, or coatings that release fumes and vapors, because the general liability pollution exclusion can bar those claims. Roofing installation contractors insurance carries a pollution line for that exposure, and firms performing hot-work or applying chemical coatings should confirm it addresses fume and vapor-related bodily injury and property damage.

Maintained by

About this coverage standard

This profile is maintained by the Advocate Insurance Consultants coverage research team, which maintains the Coverage Library benchmarks against the World Insurance Model taxonomy and reviews each standard against live market placements. It is general guidance, not legal or coverage advice. Verify requirements against the actual policy and contract.

Benchmark-driven advice.
Free tier available.

Upload a Construction & Trade Contractors policy and run an autonomous gap assessment against the market in one click. No credit card to start.

Create free accountBack to library