Roofing Workers' Compensation Insurance Program from Keating
Keating offers a specialized Workers' Compensation insurance program tailored to commercial and residential roofing contractors. With access to several carriers and a deep understanding of high-risk construction classes, Keating helps insurance agents and brokers place challenging roofing accounts that may not fit standard markets.
Ideal Accounts and Appetite
This program is designed for roofing contractors involved in both residential and commercial projects. Keating can accommodate accounts with elevated risk due to the nature of roofing work, such as steep pitch roofs, multi-story buildings, or projects that require significant height exposure.
Examples of ideal accounts include:
- A residential roofing contractor with crews working on single-family homes throughout the Southeast.
- A commercial roofer specializing in flat membrane installations on warehouses and shopping centers.
Accounts should demonstrate strong safety practices, a verifiable loss history, and active risk management procedures. New ventures may be considered depending on other underwriting factors.
Coverage Highlights and Advantages
Keating’s roofing Workers' Compensation program provides robust coverage for workplace injuries and employer liability, helping your clients meet state-mandated requirements and protect their workforce. The program is underwritten by several experienced carriers and offers flexibility across a wide range of roofing exposures.
Program features include:
- Coverage for both residential and commercial roofing operations
- Support for accounts with height exposure and higher-than-average risk
- Access to multiple markets to find the best fit for challenging classes
Underwriting Notes and Minimum Premiums
Minimum premium starts at $50,000, though actual requirements vary depending on the state, size of the account, and specific exposures. Keating’s underwriting team evaluates each submission on a case-by-case basis, with attention to safety protocols, claims history, and operational scope. Agents should be prepared to submit detailed class codes, job descriptions, and payroll information.
Territories and Availability
This program is available in the following states: AL, AR, AZ, CO, CT, GA, HI, ID, IL, IN, KS, KY, LA, ME, MN, MO, MS, NC, NE, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, and WI. All available markets are admitted in their respective states.
Why Work With Keating?
Keating brings years of expertise in placing high-risk Workers' Compensation accounts that many standard carriers decline. Their deep market access and understanding of the roofing industry enable them to provide viable solutions for complex exposures. Agents benefit from responsive service, competitive options, and the ability to place difficult roofing risks with confidence.
If you're looking for a reliable market to help place your roofing contractor clients, Keating has the tools and experience to help you succeed.
Frequently Asked Questions
What types of roofing contractors are eligible for this program?
This program accepts both residential and commercial roofing contractors, including those working on steep or elevated surfaces.
What is the minimum premium requirement?
The minimum premium generally starts at $50,000, though this can vary based on state and risk profile.
Are new ventures eligible for coverage?
New ventures may be eligible depending on underwriting factors such as safety protocols and ownership experience.
Is the program available in all states?
No, the program is currently available in select states. Please refer to the list above for available territories.
What information is needed to submit an account?
Agents should provide class codes, detailed job descriptions, payroll estimates, and loss history to ensure a smooth underwriting process.
Need help placing an account? Connect with a market specialist.