Roofing Contractor Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.


If you’re an insurance producer looking to write more business and provide insurance solutions to your roofing clients, then Prime Insurance Company is the partner for you. As an excess and surplus lines insurance company, Prime can write roofing and contracting insurance with confidence.


Most of your roofing clients will need commercial general liability insurance suited to their specific needs. Prime Insurance Company works hard to understand each of our policyholders’ risks and exposures, so your clients will get the coverage they require.

Roofing contractor working during a sunny day

As an insurance producer, there are many things you’ll want your client to be insured for, including:

  • Property damage: Property protection is a key aspect of the roofing business, even if it seems secondary to the direct services of roof construction or roof repair. Your client could be found liable for not adequately tarping or protecting the area in or around their work, especially if damage occurs due to exposure to the elements and weather. Hot tar and high-risk applications like gravel roofing have unique dangers associated with them due to the high heat and risk of fire as well.
  • Roofing equipment: Your roofing contractor client also needs to make sure their equipment is covered and insured. This applies whether they own them or are leasing them. This applies to inland marine insurance as well; they should be insured in case anything happens to their equipment while they’re transporting them from one place to another. Their trucks and vehicles should be insured as well.
  • Advertising injury: Advertising that is blatant or barely concealed slander of a competitor (or of anyone) could harm the other’s business or reputation. Please note that this is available for an additional premium.
  • General business liability: Your client’s business should also be protected as a whole. If they need to cease operations for a while, they should want to be prepared for that. Also, because they are acting as an artisan contractor with technical knowledge, they may be subject to claims of errors and omissions in the event any mistakes should occur.

Whether your client focuses on initial roof construction, re-roofing, or both, they can put their mind at ease knowing their residential or commercial roofing work is protected. Roofing insurance helps your contractor policyholders work without worry and can help you write more business.


The costs of a roofing-related lawsuit can be devastating for contractors. Good roofing insurance will defray those costs so your clients can continue with the work they love.

In Missouri, the state itself sued a housing contractor alleging a pattern of taking money for repair projects, not doing the work, and not refunding customers. One case involved $8,345 for roof installation, which was not performed. There is a similar issue in Pennsylvania, with the attorney general’s office filing suit against roofing contractors alleging fraud. And in Dayton, a roofing contractor was sentenced to prison and ordered to pay over $25,000 after failing to repair damage. A civil lawsuit followed.

In many cases, smaller clients and private homeowners are looking simply for proof of insurance. They want that additional security of knowing that their home and property are covered in the event of a problem or accident. Offering them proof of insurance and being knowledgeable about their concerns is not only a sound business practice, it’s great customer service.


Prime Insurance Company is dedicated to providing the right coverage at the right time. We understand that not every risk or exposure is clear, but we seek to uncover those underwriting concerns. With our extensive industry experience and excellent risk management practices, we can mitigate risks and help businesses move toward further success.

To see the Prime Insurance Company difference first-hand, apply for a quote online

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients of the following classes:

  • Independent Roofing Contractors
  • Roofing Employees
  • Roofing Business Owners
  • And More


  • Commercial Auto Insurance (available in most states)
  • Commercial General Liability
  • Completed Products Liability
  • Equipment Rental Liability
  • Personal Liability
  • Professional Liability (E&O)
  • Communicable Disease Liability Coverage
  • Riot and Civil Commotion Liability Coverage
  • Active Shooter Liability Coverage
  • Alleged Sexual Abuse and Molestation Liability
  • Alleged Assault and Battery Liability
  • TRU Umbrella / Excess Liability
  • And More


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Roofing insurance is our expertise! 

In-House Teams

We have it all – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Roofing Contractor Insurance Providers and Prime Insurance

Looking for the best roofing contractor insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company for roofing and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

About Prime Insurance Company

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

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**The most current Financial Stability Rating® must be verified by visiting

Get A Roofing Contractor Insurance Quote

Prime Insurance Company provides fast quotes 24/7. Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your roofing contractor insurance quote today by clicking the “Get a Quote!” button above.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.