Commercial Auto Insurance for roofing repair contractors

Only with hired and non-owned auto (HNOA). Without HNOA, an at-fault accident in a personal truck driven for your repair business creates uninsured personal-auto liability exposure for your company.

No — the truck is covered, but tools and tarps are inland marine (tools and equipment coverage). We coordinate both so neither the vehicle nor its contents have a gap.

Cost is driven by crew size, payroll, revenue, repair vs. storm restoration mix, states worked, and loss history. We quote your actual operation in about 15 minutes.

Yes. Contractors Choice Agency is licensed in all 50 states and writes roofing repair programs nationwide — storm markets, year-round repair operations, and multi-state crews.

Typically 15 minutes on a call. Programs with surge-capacity or multi-state needs may take a day or two, but we move fast.

Often yes. We have admitted and E&S markets for repair contractors with prior losses, storm-season claim volume, or other issues. Bring us your situation.

Usually yes. A coordinated program closes gaps and is typically cheaper and cleaner than separate policies from separate carriers — especially at claim time.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated carriers so the money is there when a completed-ops claim, injury, or storm-season claim hits.

Yes — GL covers your operations during storm restoration, including property damage during the job and completed-ops liability afterward. Make sure the completed-ops tail is structured correctly.

Repair crews typically fall under roofing code 5551 and related codes. Correct classification is critical for accurate workers' comp rating and avoiding audit surprises.

Yes. We work with markets that understand seasonal payroll swings and can handle surge capacity without mid-season cancellation or audit shock.

Yes — inland marine (tools and equipment) follows your crew to job sites, including active storm-damage sites. Standard commercial property doesn't cover tools off-premises.

Yes. We structure GL, workers' comp, and auto programs for multi-state storm-following operations without coverage gaps across state lines.

It should — if structured correctly. Seasonal surge workers need to be reflected in estimated payroll so you don't face a large audit bill at year-end.

Yes. We coordinate GL and CPL so there's no gap between operations coverage and pollution coverage — important for repair roofers handling asphalt, solvents, or asbestos-containing tear-off.

Yes. We write programs for new repair roofing businesses — helping you get the GL and workers' comp needed for licensing and certificate compliance from day one.