Roofing Contractors Insurance Program from Commercial Sector Insurance Brokers
Commercial Sector Insurance Brokers offers a specialized Roofing Contractors Insurance program designed for agents and brokers across the United States. With access to over five AM Best A rated excess and surplus lines carriers, we can help you place challenging roofing contractor accounts that require flexible underwriting and tailored coverage solutions.
We understand how sensitive and complex placing roofing risks can be. Our team has years of experience working with roofing contractors of all types, from residential roofing specialists to commercial and industrial roofers. Whether your client is a startup or a seasoned contractor, we can help you find competitive options in today’s hard-to-place market.
Ideal Accounts and Appetite
Our program is designed for a wide range of roofing operations, including but not limited to:
- Commercial and residential roofing contractors
- Contractors engaging in tear-off and re-roofing work
- Flat and sloped roof installers
- Contractors working with asphalt shingles, metal, tile, or membrane systems
We are typically a good fit for accounts that may not qualify for admitted markets due to the nature of their operations, loss history, or scope of work. If you have a roofing contractor client who has been turned down by standard markets, we can help you explore viable alternatives.
Coverage Highlights and Advantages
Through our network of surplus lines carriers, we offer flexible coverage options such as:
- General Liability with tailored limits
- Optional Excess Liability / Umbrella Coverage
- Contractor’s Equipment and Tools Coverage
- Installation Floater and Inland Marine
- Employee-related liability options (where available)
We work closely with our carrier partners to ensure that each policy is crafted to match the risk profile of your roofing contractor client.
Underwriting Notes and Minimum Premiums
We work on a non-admitted basis in all available states and can entertain accounts with a minimum premium starting at $5,000. Underwriting considerations include the type of roofing work performed, percentage of subcontracted work, safety protocols, and claim history.
Our approach is consultative—we help agents understand what information is needed upfront to secure the most competitive terms available.
Territories and Availability
This program is available in the following states: AL, AK, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY.
We are actively quoting in these regions and can assist you with both single-state and multi-state operations.
Why Work With Commercial Sector Insurance Brokers?
As an experienced excess and surplus lines broker, Commercial Sector Insurance Brokers brings market access, underwriting insight, and responsive service to every submission. Our long-standing relationships with top-rated carriers allow us to present you with real options—even for risks that have been declined elsewhere.
Let us help you place your next roofing contractor account with confidence. From quick indications to detailed quotes, we’re here to support your success.