Ideal Accounts and Program Appetite
This program is designed for licensed roofing contractors engaged in residential, commercial, or industrial work. Ideal accounts include:
- Small to mid-sized roofing contractors with growing operations
- Established commercial roofing companies with strong safety records
- Contractors who regularly require Additional Insured endorsements or job-specific aggregates
Accounts with poor loss history, unlicensed operations, or roofing work outside of the U.S. are typically outside program appetite.
Coverage Highlights and Advantages
RISC’s Roofing Contractors Insurance program offers comprehensive protection through General Liability and Excess Liability coverage. Key features include:
Special Extensions Available:
- Blanket Additional Insured with full products coverage
- Per Job Aggregate limits
- Blanket Waiver of Subrogation
- Employers Benefits Liability
General Liability Limits:
- $1,000,000 Per Occurrence
- $2,000,000 General Aggregate
- $2,000,000 Products/Completed Operations Aggregate*
- $100,000 Fire Damage Legal Liability
- $5,000 Medical Payments
- $5,000 or $10,000 Property Damage Deductible per occurrence
*Limits may vary by state. Contact your underwriter for specifics.
Excess Liability:
Up to $10,000,000 in limits available. Higher limits may be considered on submission.
Underwriting Requirements and Minimum Premiums
To submit an account for consideration, agents should provide:
- Completed ACORD applications
- Two-year job list
- Five years of premium, payroll, and receipts
- Signed supplemental application (by both agent and insured)
- Five years of currently valued loss runs, including details on claims exceeding $10,000
The minimum premium starts at $10,000 plus applicable fees and taxes.
Territories and Availability
This non-admitted program is available in nearly all U.S. states, including but not limited to CA, TX, FL, NY, IL, and GA. RISC offers national reach with localized underwriting insight for roofing operations coast to coast.
Why Work with RISC Inc.?
As a program administrator with a proven track record in the roofing space, RISC Inc. gives you access to one of the most competitive and comprehensive insurance programs available for roofing contractors. With strong carrier backing from Zurich NA, dedicated underwriters, and industry-leading claims and loss control support, RISC provides the tools you need to confidently place and grow your roofing contractor book.
To learn more or get started with a submission, visit www.gorisc.com or call 214-954-0707.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for licensed residential and commercial roofing contractors with solid safety practices and annual revenues ranging from under $1 million to larger-scale operations.
Is this program available in all states?
The program is available in most U.S. states, including California, Texas, Florida, and New York. Contact RISC to confirm availability in your client’s state.
What documentation is required to submit an account?
Submissions must include completed ACORD applications, a two-year job list, five years of premium/payroll/receipts, signed supplemental application, and five years of loss runs.
What coverages are included in the program?
The program includes General Liability, Excess Liability (up to $10M), and special extensions such as Blanket Additional Insured and Per Job Aggregate.
What is the minimum premium for this program?
The minimum premium starts at $10,000 plus applicable fees and taxes, depending on the account size and risk characteristics.
Need help placing an account? Connect with a market specialist.