General Liability Insurance for roofing repair contractors
Third-party bodily injury and property damage coverage for roofing repair and re-roofing operations — including the completed-operations tail that covers latent water-intrusion and defect claims arising after a repair job is done.
What it covers
- Third-party bodily injury during roofing repair operations
- Property damage caused during a repair or re-roof project
- Completed-operations liability for claims arising after repair completion
- Defense costs and legal fees for covered claims
- Products-completed operations coverage extending after project delivery
- Additional insured endorsements for property owners or GC certificates
Who it's for
- Any roofing repair contractor required to carry GL for licensure
- Repair specialists with completed-operations exposure on frequent small jobs
- Storm restoration contractors with high project volume and GC certificate requirements
- Multi-crew operations requiring GL that covers all repair and re-roof work
Why CCA
- GL structured with completed-operations tail that doesn't lapse at renewal
- Coverage sized for repair-volume operations, not just large projects
- Coordinated with CPL so there's no gap between operations and pollution coverage
Common questions about general liability insurance
Yes — if structured correctly. Completed-ops GL covers claims arising after repair jobs are done, like water intrusion from a poorly sealed flashing repair. Many cheap policies have inadequate tails on completed ops — we structure it properly.
Yes, and often more per dollar of revenue. Repair jobs are smaller and more frequent — more projects means more opportunities for completed-ops claims. The exposure accumulates quickly over a busy season.
Yes — your GL covers your operations during storm restoration, including property damage claims arising from the work. Completed-ops coverage then extends to claims that surface after the restoration project is done.
In most states, yes. A certificate showing GL coverage at minimum required limits is a condition of roofing contractor licensure — whether you do repair or new installation.
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.
Pair it with related coverage
Ready to protect your roofing repair business?
Get a 15-minute quote from specialists who understand roofing repair — completed operations, storm-season surge coverage, crew workers' comp, and tools theft.