What is Hot Tar Roofing?
Hot tar roofing, also known as built-up roofing (BUR), is a common method used on flat or low-slope roofs. It involves layering hot asphalt (tar) with roofing felt or fiberglass fabric to create a weather-resistant barrier. The final layer is often topped with gravel or a reflective coating to protect against sun and weather damage.
Who Needs Hot Tar Roofing Insurance?
Contractors, roofers, and construction companies that install or repair hot tar roofing systems typically need specialized insurance. Because the process uses open flames and hot materials, the risk of fire, burns, and structural damage is higher than with other roofing methods. Insurance helps protect businesses from liability claims, property damage, and worker injuries.
What It Typically Covers
Hot tar roofing insurance policies may include:
- General liability: Covers third-party property damage or bodily injury.
- Workers’ compensation: Provides benefits for employees injured on the job.
- Commercial auto: Covers vehicles used to transport materials and equipment.
- Tools and equipment: Protects against theft or damage to tools.
- Contractor’s liability: Covers completed work and ongoing operations.
Common Exclusions and Limitations
While hot tar roofing insurance offers broad protection, there are typical exclusions such as:
- Intentional damage or negligence
- Faulty workmanship or design errors
- Claims outside the policy period
- Unlicensed subcontractor work
Always review your policy details to understand what is and isn't covered.
Factors That Influence Cost
Several elements can affect the cost of hot tar roofing insurance, including:
- Business size and payroll
- Type and scope of roofing projects
- Claim history
- Safety protocols and training
- Coverage limits and deductibles
Proof of Insurance and Compliance
Many states and clients require proof of insurance before work begins. A certificate of insurance (COI) shows that you meet local and contractual requirements. Compliance helps you avoid fines, delays, or loss of work opportunities.
How to Get a Quote
To find the right coverage for your hot tar roofing business, compare quotes from insurers familiar with roofing risks. We make it easy to get started—get a quote today.
Frequently Asked Questions
Is hot tar roofing insurance required by law?
Requirements vary by state, but many jurisdictions and clients require at least general liability and workers’ comp coverage.
Does general liability cover damage from hot tar spills?
Yes, general liability may cover property damage caused by accidental tar spills, but check your policy for specific terms.
Can subcontractors be covered under my policy?
Some policies allow coverage for subcontractors, but they may need to be listed and meet specific licensing or insurance criteria.
What safety measures can help lower insurance costs?
Using proper protective gear, maintaining equipment, and providing employee training can reduce risks and may lower premiums.
Does the policy cover completed roofing work?
Yes, contractor liability insurance often includes coverage for completed operations, protecting you after a job is finished.
Still have questions? Talk to a local insurance expert.