As a roofing contractor, insurance is essential for protecting you against the unique risks associated with your trade. Protect yourself from potential liabilities such as third-party injuries and property damage.

Too often, insurance providers offer standard, packaged solutions they assume will work for all roofing contractors. Our specialists in construction risk will work with you to review your portfolio, identify any associated exposures and draw up a custom solution that’s suited to your unique needs. Whether you are a tradesperson working alone, a large construction firm or an independent engineer/architect, our over 30 years of in-depth experience in working with the roofing contracting industry have given us the unique expertise to craft coverage that’s specific to you and your business.

As a roofing contractor the risks you face are unique to you and your insurance should reflect that. Roofer’s Insurance will provide coverage for anything from property damage and injury to theft of tools.

• Property exposure at the roofing contractor’s own location is generally limited to those of an office, shop, and storage of materials, equipment, and vehicles. Solvents, chemicals, or sealants used in roofing operations may be flammable creating a risk of fire.
  
• If repair work on owned vehicles and equipment is done in the building, fire hazards may be high due to the presence of oils, fuels, and other combustibles.
  
• When hot built-up roofing is done, any preparation work with hot tar and asphalt heated at the yard site increases the fire potential for both the insured and to neighbouring properties.
  
• Equipment, materials, and supplies stored in the yard have higher exposures to wind, vandalism, and theft.
  

• Inland marine exposures include tools and equipment, goods in transit, and installation floater. Hoists, ladders, scaffolding and similar equipment may be damaged during transport to or from the job site by collision or upset, or during setup or use.
  
• Tools and building materials may be subject to damage by dropping or loss due to theft by third parties or employees.
  
• Material being installed is highly susceptible to damage during handling or from wind or rain before installation is complete.
  

• At the job site, tools, power cords, and scrap all pose trip hazards even when not in use.
  
• Roofing materials or tools and equipment dropped during operations may cause serious injury to occupants or passers-by, or may cause serious property damage.
  
• Wind or weather may damage the unfinished portion of the roof or the interior of the building during the installation process.
  
• Repair or installation using hot tar may be a fire hazard to the building being worked on or to neighbouring structures.
  

• Environmental impairment exposures may exist if the contractor is responsible for the disposal of old insulation and the use, transportation, and disposal of fuels and related pollutants.
  

• Automobile exposures are generally limited to transporting workers, equipment and supplies to and from job sites.
  
• Loading and unloading hazards may be significant. If hot tar or asphalt is used, transport may be hazardous as overturn could result in damage to other vehicles.
  

• Workplace safety exposure can be severe as work is done above ground. Workers can fall from roofs due to tripping or from sudden changes in the wind or weather. They may also be injured by falling objects.
  
• Common hazards include injuries from lifting, cutting the flashing and other materials, and work with hand and power tools. The application of hot tar and asphalt can result in burns and eye, skin, and lung irritations.