Roofing carries real jobsite risk, so the agency you hire should treat roofing as a standing program, not a hard-to-place exception. BTC Insurance Services maintains a dedicated Roofing Contractors Insurance program covering general liability, workers' compensation, and umbrella coverage, built around how roofing crews actually work.
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What Should a Roofing Company Look for in an Insurance Agency?
Ask whether the agency has actual experience placing coverage for roofing contractors specifically, not general contractors broadly. Roofing carries its own classification, fall protection, and certificate requirements that a generalist agency may not handle correctly on the first try.
Does Your Roofing Insurance Agency Understand Certificates and Subcontractor Requirements?
If a general contractor is requiring proof of coverage before you can bid a job, your agency should be able to prepare a certificate of insurance and review contract-required endorsement wording, including primary and non-contributory language, without it becoming a delay. BTC Insurance Services handles this directly as part of every roofing account.
How Does an Insurance Agency Classify Workers' Compensation for a Roofing Crew?
Workers' compensation classification should reflect what your crew actually does on a roof, not a generic contractor classification that may overstate or understate your real risk. BTC Insurance Services reviews crew size, roof types, and safety practices directly when building a roofing program, which affects both your premium and your coverage.
Should a Roofing Company Work With a Nationwide Insurance Agency or a Local One?
Either can work, as long as the agency is licensed everywhere your crews operate and genuinely understands roofing risk. BTC Insurance Services combines a Utah headquarters with licensing to serve roofing contractors in nearly 40 states, so a roofing company that takes on jobs outside its home state does not need a second agency for that work.
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Frequently Asked Questions
What should I look for when hiring an insurance agency for my roofing company? Look for an agency with real roofing-specific experience, not just general contractor experience, particularly around certificates, subcontractor requirements, and workers' compensation classification.
Does BTC Insurance Services work with roofing companies outside Utah? Yes. BTC Insurance Services is licensed to place coverage for roofing contractors in nearly 40 states nationwide, from its South Jordan, Utah headquarters.
Can a roofing company get workers' compensation and general liability from the same agency? Yes. BTC Insurance Services builds general liability, workers' compensation, and umbrella coverage together as one roofing program rather than as separate, unrelated policies.
Talk to an Insurance Agency That Understands Roofing
If certificates, classifications, or coverage limits are holding up a bid, we would like to help you get ahead of it.
[Call 801-327-0117]
