Roofing Contractors Insurance Program from Insential, Inc.
Roofing contractors carry some of the largest liability and on-site exposures in construction. Insential, Inc. provides a dedicated Roofing Contractors Insurance program placed through specialized E&S markets. We tailor solutions for residential and commercial roofers, offering flexible wording and coverages to help you place difficult or high-exposure accounts with confidence.
Ideal Accounts and Appetite
We place a broad range of roofing risks, including contractors performing new construction, reroofing, repairs, storm response, and replacement work. Typical accounts include:
- Single-family and multifamily residential roofers
- Townhome and condominium roofing contractors
- Tract housing and large residential developments
- Commercial and light-industrial roofing operations
We can consider accounts with specialized operations—storm damage repair, steep-slope, or multi-unit projects—subject to underwriting review. New ventures with relevant prior experience may be eligible.
Coverage Highlights and Advantages
The program provides a comprehensive package of coverages designed for roofing operations. Available lines include:
We also offer common contract and project enhancements to help your clients meet owner/GC requirements:
Underwriting Notes and Submission Requirements
To speed placement, provide:
Underwriters evaluate operations, safety programs, prior losses, and contract terms. We can often place accounts with no blanket height restriction or without hot-tar exclusions depending on carrier selection. Please note we have limited market access in Colorado and do not offer this program in New York.
Territories and Availability
This program is available on a non-admitted basis in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC.
Why Work With Insential, Inc.?
Insential is an experienced E&S broker focused on construction exposures. We combine market access with hands-on underwriting and responsive service to help you place accounts that may be difficult for standard markets. Our team works with agents to match accounts to the right carrier appetite and to structure contract provisions that satisfy project requirements.
Example fits: You might have a roofer bidding on a multi-unit townhouse project who needs blanket additional insured and primary/non-contributory wording, or a contractor specializing in storm response needing short-term, high-limit auto and GL. Insential can help package those coverages and present them effectively to specialty carriers.
If you need assistance placing a specific account or want to check market capacity, connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Residential and commercial roofing contractors engaged in new construction, replacement, or repair work are a strong fit. We also accept contractors working on tract housing, condos, townhomes, and many commercial roofing projects.
Are there height or hot tar restrictions?
Depending on the selected carrier, we can often offer coverage without blanket height restrictions and without hot-tar exclusions. Final acceptance is subject to underwriting review.
Can new ventures qualify for this program?
Yes. New ventures with relevant prior experience or key personnel may be eligible. Include resumes and a completed supplemental application with your submission.
What is required to submit an account?
Provide completed ACORD applications, five years of currently valued loss runs, and the roofing supplemental application. Additional documents (safety programs, contracts, vehicle lists) may be requested based on the risk.
Is this program available in all states?
The program is available in most states on a non-admitted basis. We have limited market access in Colorado and do not currently offer this program in New York.
Need help placing an account? Connect with a market specialist.