U.S. insurers provide specialized coverage for commercial roofing

Commercial roofing is considered a high-risk trade due to working at heights, handling heavy materials, and rapidly changing job sites. Consequently, several U.S. insurers and brokers offer specialized coverage tailored to different contractor scales and project scopes.

Unlimited Contractors Insurance (UCI) focuses on roofing firms with annual revenues of $1 million or more, providing access to over 30 carrier markets and layered risk-transfer programs including general liability, workers’ compensation, and excess or umbrella towers.

Other major providers include The Hartford, which serves small to mid-size contractors through its small-business division, and Travelers, which offers construction-specific lines for mid-size and larger firms. biBERK, part of the Berkshire Hathaway Insurance Group, utilizes a direct-to-business model for small contractors across all 50 states. Nationwide also provides various commercial policies and surplus-line options for contractors seeking a national footprint.