Amwins Program Underwriters offers a roofing contractors program tailored for residential and commercial roofers. The program is placed with an "A" rated carrier and is available in nearly every state (not offered in Hawaii, New York State, or Cook County, IL). It is structured for accounts needing broader roofing-specific terms, flexibility on subcontracting, and higher-limit excess/umbrella capacity.
Overview of the Program From Amwins Underwriting
This program targets roofing contractors of varying sizes and operations. It is designed to address common roofing exposures—slips and falls, property damage from rooftop work, fire damage from hot-tar/torch operations, and pollution liabilities from roofing materials. Coverage is underwritten with experienced roofers’ exposures in mind and offers options that reflect the operational realities of modern roofing contractors.
Ideal Accounts and Appetite
- Residential and commercial roofing contractors
- Accounts that perform hot-tar or torch-down work (will be considered)
- Companies that regularly use subcontractors—no set limit on subcontracted work
- Roofing operations with clear risk controls, documented safety programs, and loss histories consistent with industry norms
Not a good fit: businesses outside roofing specialties, accounts with repeated large loss histories without remediation, or risks located in the three excluded territories noted above.
Coverage Highlights and Advantages
- General Liability limits: $1M per occurrence / $2M aggregate
- Excess/Umbrella: $5M in-house authority; higher limits available
- Per-project (per job) aggregate available
- Fire Damage Legal Liability and Medical Payments
- Contractors Pollution Legal Liability included as an option
- Drone coverage available for inspections
- Additional Insured and Waiver of Subrogation options (automatic or scheduled as required by contract)
- Primary / Non-contributory wording available
Underwriting Notes and Minimum Premium
Minimum premiums start at $10,000. Standard submissions should include a completed industry application, the Roofing Contractors supplemental application, and five years of loss runs (valued within the past 90 days) with details on any losses over $10,000. Firms in business less than five years should include owner(s) resumes. Underwriters will evaluate operations, safety programs, subcontractor controls, and any hot-tar/torch operations.
Program Extensions Available
- Additional Insured (Automatic or Scheduled)
- Waiver of Subrogation (as required by written contract)
- Per Job Aggregate
- Employee Benefits Liability
- Primary / Non-Contributory wording
- No limitation on amount of subcontracted work
- Drone coverage for inspection operations
Territories and Availability
The program is available in nearly every state across the country except Hawaii, New York State, and Cook County, IL. For specific binding authority, state-by-state filings, and any admitted/non-admitted considerations, consult Amwins underwriting guidelines and state availability when placing business.
Why Work With Amwins Underwriting on Roofing Business
- Specialized underwriting with experience in roofing exposures and contractual requirements.
- Access to higher-limit excess/umbrella capacity with in-house authority.
- Flexible appetite for subcontracting and hot-tar/torch operations when properly managed.
- Program extensions geared to common GC/owner contract requirements (AI, waiver of subrogation, primary wording).
Example Account Scenarios
- A regional commercial roofer seeking a $1M/$2M GL program plus a $5M umbrella and primary/non-contributory wording to satisfy general contractor contracts.
- A residential roofing contractor who performs torch-down repairs on flat roofs and needs contractors pollution liability and fire damage legal liability included in the program.
Submission Requirements (summary)
- Industry standard application
- Roofing Contractors supplemental application
- Loss runs — five years, valued within the past 90 days; include details for losses > $10,000
- Resumes for owners if the firm has been in business less than five years
Frequently Asked Questions
What types of roofing accounts are the best fit for this Amwins program?
The program is best for residential and commercial roofing contractors that have formal safety programs, manageable loss histories, and may need contractual endorsements (additional insured, waiver of subrogation, primary wording). Hot-tar and torch-down work can be considered when properly documented.
Is there a minimum premium and how is capacity provided?
Minimum premiums start at $10,000. The program offers General Liability at typical roofing limits ($1M/$2M) and in-house excess/umbrella authority beginning at $5M, with higher limits available subject to underwriting approval.
Are there restrictions on subcontracted work?
No—this program does not impose a limitation on the amount of subcontracted work. Underwriters will, however, review subcontractor controls and contractual relationships as part of the submission.
What documentation do I need to submit to get a quote?
Provide a completed industry application, the Roofing Contractors supplemental application, five years of loss runs (valued within 90 days) with details on losses over $10,000, and owner resumes for firms with less than five years in business.
Need help placing an account? Connect with a market specialist.