At Blue River Underwriters, we recognize the unique challenges and risks faced by roofing contractors. With a strong foundation in the construction insurance marketplace, our team brings deep industry knowledge and a commitment to delivering tailored insurance solutions that meet the specific needs of roofing professionals.
Our Roofing Contractors Elite Insurance Program is designed for commercial roofing contractors seeking comprehensive coverage with underwriting expertise and responsive service. We partner exclusively with Independent Insurance Agents to help you protect your clients with policies backed by financially strong carriers rated “A IX” or better.
This program combines flexible risk management solutions with industry-specific enhancements to help you place accounts confidently and competitively.
Ideal Accounts and Appetite
Our program is built for commercial roofing contractors, including those involved in installation, repair, and maintenance of commercial, industrial, and residential roofing systems. Accounts with established safety protocols, sound loss histories, and professional operations are a strong fit.
You might have a client bidding on large-scale commercial roofing jobs or operating a mid-sized residential roofing company with multiple crews—both are ideal candidates for this program.
Coverage Highlights and Advantages
Our insurance package addresses the core exposures of roofing contractors while offering important enhancements to meet jobsite and contract requirements. Available coverages include:
- Commercial General Liability
- Property
- Inland Marine and Installation Floaters
- Automobile
Industry-specific enhancements include:
- Contractors Blanket Additional Insureds
- Primary & Non-Contributory Wording
- Blanket Waiver of Transfer of Rights
- Per Project Aggregate Limits
- Multiple Deductible Options
- Following Form Excess Liability Available
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on risk size, location, and scope of operations. Our underwriting team evaluates each submission carefully to ensure a proper fit and to deliver competitive terms. Submissions should include a completed application, current loss runs, and details on safety measures and operations.
Territories and Availability
The Roofing Contractors Elite Insurance Program is available in most states on an admitted basis. However, we do not currently offer this program in NY, CO, DC, SD, or ND. Coverage is available in over 40 states, including TX, CA, FL, IL, and PA.
Why Work With Blue River Underwriters
Blue River Underwriters is a trusted partner for agents seeking specialized insurance solutions. Our experience in the construction space, combined with deep underwriting knowledge and a responsive service team, ensures that your roofing contractor clients receive the attention and protection they need. We provide the tools and flexibility to help you grow and retain quality accounts in this high-risk sector.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Commercial and residential roofing contractors with solid safety practices and a clean loss history are ideal. We can consider accounts involved in roof installation, maintenance, and repair.
Is this program available on an admitted basis?
Yes, the program is admitted in most states where it is offered, providing added confidence and regulatory compliance for your insureds.
What documents are needed to submit a risk?
Submissions should include a completed application, five years of loss runs, details on operations, and information on safety procedures and subcontractor use.
Are excess liability options available?
Yes, following form excess liability coverage is available as part of the program to help meet contractual requirements or provide additional protection.
Which states are excluded from this program?
This program is not available in New York, Colorado, Washington D.C., South Dakota, or North Dakota.
Need help placing an account? Connect with a market specialist.