Flat and low-slope commercial roofing
Commercial roofing insurance for flat and low-slope roofers
Commercial roofing jobs are larger, often involve general contractors with strict insurance requirements, and can include torch or hot work. Kaufman Insurance Group compares commercial roofing insurance from multiple companies to help you meet contract demands.
- Liability options for commercial projects
- Equipment and inland marine coverage
- Help meeting general contractor requirements
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare commercial roofing insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What commercial roofing insurance is
Commercial roofing insurance is a group of business policies for contractors that install and repair roofs on commercial buildings, such as offices, warehouses, retail centers, and apartment buildings. It covers your liability on the job, your equipment, and your vehicles.
Commercial roofing has its own risks. Crews may work on large flat roofs, use heat-welded or torch-applied systems, and move heavy materials by crane or hoist. General contractors and property owners often require higher liability limits, additional insured status, and waivers in their contracts.
Insurance companies want to know which roofing systems you install, whether you use open flame, your project sizes, and your safety program. Clear, accurate details help you find coverage that fits your contracts.
Common systems
Single-ply membranes, modified bitumen, built-up roofing, metal, and coatings.
Contract requirements
Higher limits, additional insured endorsements, and waivers of subrogation, which means giving up certain rights to recover from the other party.
Know what you are choosing
Coverages commercial roofing businesses commonly need
Every business is different, and the options depend on the company. These are the policies we review most often for this trade.
General liability
Helps pay for injuries and property damage caused by your work, including completed operations, depending on the policy.
Tools and equipment
Covers equipment such as kettles, welders, hoists, and tools, on site or in transit.
Commercial auto
Covers trucks and trailers used to haul crews and materials.
Workers compensation
In Ohio, this coverage comes from the state, not an insurance company. If you have employees in other states, we can help with workers compensation there as it comes up.
Umbrella or excess liability
Adds higher limits that commercial contracts often require.
Builders risk
Covers the project and materials when your contract makes you responsible.
Is it right for you
Who we help
We help commercial roofing contractors of many sizes.
Flat roof installers
Single-ply and modified bitumen roofing on commercial buildings.
Metal roofing contractors
Standing seam and metal panel systems.
Roof coating contractors
Restoration and coating systems for existing roofs.
Service and repair companies
Maintenance and repair programs for building owners.
Bidding a commercial job with strict insurance terms? Send us the contract requirements.
How Kaufman helps
How we help commercial roofing businesses
We are an independent agency, so we can compare coverage from multiple companies and put the right pieces together for your business.
Tell us about your work
Share the roofing systems you install, any torch or hot work, project sizes, contract requirements, crew size, and vehicles.
We compare companies
An agent reviews options from the companies we work with and explains limits, exclusions, and any contract requirements.
Get covered and get certificates
Choose your coverage. We can issue certificates of insurance and add customers as additional insureds when your policy allows.
We focus on Ohio and North Carolina, and we can also help contractors in most other states. See our contractor insurance page for other trades, or learn more about general liability insurance.
Common questions
Commercial Roofing Insurance questions
What limits do commercial roofing contracts require?
It varies by contract. Many general contractors require specific liability limits, an umbrella policy, and additional insured status. Send us the contract and we will review the requirements.
Does my policy cover torch-applied roofing?
Not always. Some policies restrict or exclude torch work, and others require safety procedures. Tell us if you do any open flame work.
What is a waiver of subrogation?
It is a contract term where you agree that your insurance company will not try to recover money from the other party after a covered loss. Many commercial contracts require it, and it is usually added by endorsement.
Do I need workers compensation?
If you have employees, you generally need it. In Ohio, workers compensation is run by the state through the Ohio Bureau of Workers’ Compensation, so Ohio employers get it there rather than from an insurance agency. If your business has employees working in states outside Ohio, Kaufman Insurance Group can help with workers compensation for those states as it comes up.
Can you send certificates of insurance to my customers?
Yes. Once your policy is active, we can issue certificates of insurance and, when your policy allows, add customers or general contractors as additional insureds.
Related coverage
Related contractor and business coverage
Residential roofing contractor insurance
Coverage for roofers working on homes.
Explore residential roofing insuranceCommercial auto insurance
Coverage for the trucks, vans, and cars your business uses.
Explore commercial autoGeneral liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityConstruction and contracting insurance
Coverage for contractors and trades, from handymen and remodelers to roofers and HVAC pros.
Explore contractor insuranceReady to protect your business?
Start a commercial roofing insurance quote online, or contact us with questions. An agent at Kaufman Insurance Group will help you compare your options.
Prefer to talk? Call (330) 486-8404.