Metal roofing contractors install standing-seam, exposed-fastener, metal shingle and architectural metal systems using large panels and specialized equipment.
Contractors Direct Insurance Agency specializes in insurance for metal roofing contractors and construction businesses. We help contractors structure coverage around their actual operations, employees, subcontractors, equipment, vehicles and contract requirements.
What Insurance Does This Contractor Need?
There is rarely one policy that addresses every exposure. Depending on the operation, common coverages may include:
- General Liability Insurance
- Workers’ Compensation Insurance
- Commercial Auto Insurance
- Commercial Umbrella or Excess Liability
- Tools & Equipment / Inland Marine Insurance
- Contractors Equipment Insurance when applicable
- Installation Floater Insurance when applicable
- Commercial Property Insurance
- Contractors Pollution Liability when applicable
- Professional Liability when design, inspection or programming exposure exists
- Surety Bonds when required
Trade-Specific Risks to Review
- Standing-seam systems
- Large panels and wind
- Water intrusion and flashing
- Sheet-metal fabrication
- Roll-forming machines
- Commercial roofing and height exposure
General Liability & Completed Operations
General liability can provide protection against certain third-party bodily injury and property damage claims, subject to policy terms, conditions, exclusions and endorsements. Completed-operations exposure should also be reviewed because claims can arise after the work is finished.
Workers’ Compensation
Workers’ compensation can provide benefits for qualifying work-related injuries and illnesses. Payroll, employee duties and trade-specific hazards can materially affect classification and premium.
Commercial Auto, Tools & Equipment
Commercial vehicles, trailers, tools and mobile equipment should be reviewed together so the business understands how each asset is insured at the shop, in transit and at jobsites.
Subcontractors & Contract Requirements
Insurance carriers may distinguish between insured and uninsured subcontractors. Written subcontract agreements, certificates of insurance, additional insured status, waiver of subrogation, primary and noncontributory wording and workers compensation requirements can all be important.
How Much Does Contractor Insurance Cost?
There is no useful one-price-fits-all answer. Premium may depend on annual revenue, payroll, subcontractor costs, project type, job size, vehicles, equipment, loss history, service area and required liability limits.
Insurance Exclusions & Restrictions to Watch
The lowest premium is not necessarily the best value if the policy restricts a core operation. Contractors should review trade-specific exclusions, project restrictions, height or depth limitations, pollution issues, professional services, prior work and subcontractor provisions when applicable.
Certificates of Insurance
General contractors, property owners, municipalities and commercial clients may require certificates of insurance and specific endorsements. A certificate documents insurance; it does not create coverage that is not contained in the underlying policy.
Metal Roofing Contractors Insurance FAQs
What insurance should this contractor consider?
General liability, workers compensation, commercial auto, tools or equipment coverage and umbrella or excess liability are commonly considered. Additional coverages depend on the trade and project.
Do subcontractors need their own insurance?
Requiring subcontractors to maintain appropriate insurance is an important risk-management practice. Carrier and contract requirements should be reviewed.
Can higher liability limits be obtained?
Yes, subject to underwriting and available umbrella or excess markets.
Insurance Built for Metal Roofing Contractors
Contractors Direct Insurance Agency focuses on contractors and construction businesses. We want to understand the actual work performed, not simply the trade name on the application.
Request a Contractor Insurance Quote
Coverage availability, terms, conditions and exclusions vary by carrier and policy. All coverage is subject to the terms and conditions of the policy issued.
