Roofers

The Challenge: Covering the Most Exposed Trade
 

Roofing is one of the most demanding industries in construction—not just physically, but legally. Between "open roof" exposures during a rainstorm, the risks of hot work (torches), and the inherent danger of working at heights, your business is a high-frequency target for claims. Many brokers shy away from roofing; we lean in.

Why Hardcover Insurance?
 

We know that a "one-size-fits-all" policy doesn't work for a roofer. You need specific language that doesn't exclude the very work you do every day. Whether you specialize in residential shingles, commercial TPO, or complex hot-mop applications, we have access to specialized markets that understand the roofing risk profile.

Core Coverage for Roofing Professionals

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• Specialized General Liability: We ensure your policy doesn't have "action over" exclusions or restrictive "height limitations" that could leave you uncovered during a claim.
   

• Open Roof Coverage: Essential protection for those moments when the unexpected storm hits while a building is exposed.
   

• Workers’ Compensation: Because roofing has a higher risk of falls, your premiums can skyrocket. We work with carriers who offer safety-incentive programs to help drive your costs down.
   

• Equipment & Installation Floaters: Covers your materials (from crates of shingles to expensive membranes) from the moment they leave the yard until they are fully installed on the client's building.
   

• Commercial Auto & Fleet: Whether it’s one truck or a fleet of cranes and flatbeds, we ensure your vehicles and the equipment they carry are protected on the road.

Hardcover Risk Advantages
 

• Safety Program Consultation: We help you document your safety protocols (OSHA compliance, fall protection) to make your firm more "attractive" to insurance underwriters, lowering your rates.
   

• Rapid Certificates of Insurance (COIs): We know you can’t get onto the job site without proof of insurance. We prioritize fast turnarounds to keep your crews moving.
   

"Specialized protection for high-risk heights. We find the coverage others can’t."
— The Hardcover Promise