Roofing & Exterior Services
Tailored protection for custom roofing, siding, and exterior envelope specialists.
Operational Risk Profile
Roofing and exterior envelope contractors operate under intense underwriting scrutiny due to a high historical frequency of severe claims. Open-roof exposures during sudden weather events can result in immediate, catastrophic interior property damage to commercial and residential structures. Additionally, hot-work operations introduce severe fire hazards, while fall exposures make workers’ compensation a primary operational risk.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Unrestrictive General Liability
Essential to verify the absence of restrictive “open-roof,” “height,” or “torch-applied/hot-work” exclusions that standard commercial lines often contain.
Workers’ Compensation
Mandated to cover high-severity fall injuries, backed by documented safety and loss-control programs to manage experience modification rates (E-Mods).
Inland Marine
Required to cover commercial roofing materials stored on-site or in transit prior to permanent installation.
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