Contractors Insurance - Including Commercial Roofing!

Contractors Insurance - Including Commercial Roofing!

Overview of the Program from B&H Risk Services

B&H Risk Services offers a contractors insurance program designed for a broad range of trades, with specific capacity for commercial roofing. As a managing general underwriter, we place business with multiple carrier partners and focus on practical, flexible solutions for small-to-medium contractor operations. The program supports general liability as the core coverage and can be combined with inland marine, property, and other ancillary coverages to match an insured’s operations.

Ideal Accounts and Appetite

This program works well for independent contractors and small contractor firms where project values and annual payrolls are moderate. Ideal accounts include general contractors and specialty trades that perform on-site construction, repair, or maintenance services. Typical classes we quote include (original list preserved):

If your insured performs commercial roofing work, we have targeted appetite and underwriting tools to evaluate common roofing exposures — including steep-slope and low-slope roofing, reroofing, repair, and associated contract work.

Coverage Highlights and Advantages

• Primary General Liability available; inland marine and property extensions available to protect materials, tools, and contractor equipment.
• Commercial roofing expertise — underwriters experienced in roofing exposures and common roof-specific risk controls.
• Multiple carrier relationships to create placement options where standard markets may be constrained.
• Low minimum premiums, making the program practical for smaller contractors and seasonal businesses.
• Quick quoting — NO APPOINTMENT NEEDED TO OBTAIN A QUOTE (see notice above).

Underwriting Notes and Typical Restrictions

Underwriting decisions are based on class of work, limits requested, loss history, subcontractor controls, and work locations. While the program is broadly suited to many trades, common restrictions may include heavy civil/highway work, complex pollution exposures, long-duration wrap-up contracts, or accounts requiring specialized professional liability. Submit jobs with clear descriptions of operations, payroll, annual receipts, and any subcontractor arrangements for the fastest response.

Minimum premiums are low, which helps place small accounts efficiently. Because we work with multiple carriers, available terms may vary by state and by carrier appetite.

Territories and Availability

This program is available in the following states: AL, AR, AZ, CA, KY, LA, MS, NC, OK, SC, TN, TX, VA. Certain classes (Tree Trimming, Landscape Gardening, Lawn Care, Artisan Contractors) are only available in limited states (AR, OK, TN, TX) as noted above. Availability and forms vary by carrier and state.

Why Work with B&H Risk Services

As an MGA with relationships across multiple markets, B&H Risk Services provides tailored underwriting for contractors and roofing operations, fast quoting without appointment burden, and flexible low-premium options for smaller contractors. We aim to help you place accounts that might be challenging in standard markets by combining practical risk controls with carrier placement strength.

Example scenarios you might submit:

• A small commercial roofer with $750,000 in annual receipts, clean loss history, and a mix of re-roof and repair work looking for primary GL and inland marine for materials in transit.
• A regional drywall and painting contractor needing general liability and property coverage for tools and equipment stored on-site between jobs.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.