Ideal Accounts and Appetite
Our program is designed for residential and commercial roofing contractors with payrolls ranging between $100,000 and $600,000. This includes accounts that may have been turned down by standard markets due to high-risk operations or unfavorable loss history. Whether your client specializes in shingle, tile, metal, or flat roofing, we can help you find a suitable solution.
You might have a client who recently expanded into commercial roofing but now struggles to secure competitive workers comp due to increased exposure. Or perhaps an established roofer with a few past claims is looking for better terms. These are accounts we regularly review.
Coverage Highlights and Advantages
Roofing contractors face some of the most hazardous working conditions in construction. Our workers compensation markets help insureds manage injury risks, stay compliant, and protect their workforce. We work with a variety of carriers to offer flexible options and competitive pricing—even on tough classes.
As an Excess & Surplus Lines Broker, Insential can access both admitted and non-admitted carriers, depending on your state and risk profile. This flexibility allows us to offer tailored solutions for roofing contractors who may not qualify for standard programs.
Underwriting Notes and Submission Requirements
To ensure a smooth quote process, please submit the following:
- Fully completed ACORD application, including FEIN and premium/payroll history
- Five years of currently valued loss runs
- Experience Mod worksheet
- Three years of continuous prior coverage for all classes
Minimum premium varies by account and carrier appetite. Contact us to discuss specifics for your submission.
Territories and Availability
We offer Roofing Contractors Workers Compensation Insurance in nearly all U.S. states, including but not limited to CA, TX, FL, NY, IL, GA, PA, and AZ. The program is available in all states except where restricted by local regulations. Please contact us for current state availability.
Why Work With Insential
Insential brings years of experience and a focused approach to construction-related risks. Our brokers understand the unique challenges of placing workers comp for roofing contractors and are here to support you from submission through binding. We offer responsive service, deep market access, and the flexibility to find solutions where others can’t.
Call one of our brokers today at 888-571-6160 to discuss your Roofing Contractors Workers Compensation Insurance needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Roofing contractors with payrolls between $100,000 and $600,000, including those with prior claims or high-risk operations, are ideal candidates.
What are the submission requirements?
You’ll need a completed ACORD application, five years of loss runs, an Experience Mod worksheet, and proof of three years of prior coverage.
Is the program available in all states?
The program is offered in most U.S. states, but availability may vary. Contact us to confirm eligibility in your client’s state.
Can you help with accounts that have a poor loss history?
Yes. We have access to markets that can consider challenging accounts, including those with prior claims or lapses in coverage.
Are both admitted and non-admitted carriers available?
Yes. We work with a mix of admitted and non-admitted markets to offer flexible solutions based on risk and jurisdiction.
Need help placing an account? Connect with a market specialist.