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Switching Roofs

Contractors Liability


  • Carrier A.M. Best Rating: "A" VIII and "A-" IX.

  • Program Offered: In all 50 states (except NY) on a Non-admitted basis.

  • Classes: Over 100 approved class codes for coverage available.

  • Limits of Liability: Up to $1M per Occurrence/$2M Aggregate.

  • Minimum Deductible: $2,000.

  • Minimum Premium: $5,000 and $10,000 for Roofing Contractors

Target Classes

  • Residential, Commercial, and Industrial Contractors performing New and Repair/Remodeling Operations.

  • Custom Home Builders.

  • Artisan Contractors, Subcontractors, and Trade Contractors performing New and Repair/Remodeling. 


  • Blanket Coverages Available: CG 2010, CG 2037, CG 2404 (Waiver of Subrogation), PNC Wording, and Per
    Project Aggregate.

  • Optional AI edition dates Available: 04/13, 07/04, or 10/01 edition dates.

  • Roofing Operations Minimum Premium: $10,000.

  • Specific AI endorsements upon approval.

  • New ventures considered other than for Roofing Contractors (which require at least 3 years’ experience). For
    new ventures, insured’s resume and experience are required.

Ineligible Risks

  • Insured’s working on multi-family projects involving new construction greater than 50 homes.

  • Wrap-up, Owner-Controlled, or Project Specific Policy.

  • Any external work on structures greater than 10 stories.

  • Roofing General Contractors that are Subcontracting out 100% of the work.

Coverage Enhancements Available

  • HNOA to satisfy contractual obligations available upon request (up to $1M limit).

  • Limited Contractors Pollution Liability (CPL) Coverage Form (up to $250,000 limit).

  • Electronic Data Liability (up to $100,000 limit).

Supplemental Applications

Contractors Supplemental


Ryan Knutowski

Senior Underwriter

Rebecca Tweedie

Junior Underwriter

Please send all submissions and questions to

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