Roofing Contractor Insurance in New Jersey
Roofing is one of the hardest trades in the country to insure. Height, fire from torch-down and hot work, water intrusion from open roofs, and one of the worst workers'-compensation injury profiles of any trade combine to make roofing a class many standard carriers simply won't write.
Why roofers get declined
Falls and hot-work fires drive roofing's loss history, so admitted carriers frequently decline or non-renew roofers — especially those doing torch-down, steep-slope, or commercial work. When the standard market says no, the excess & surplus (E&S) market is where a roofer's coverage actually gets placed, and we have that access.
Workers' comp is the big number
For most roofers, workers' compensation is the largest and hardest line to place because of the fall exposure. Getting the class codes and payroll right — and pairing comp with GL from a carrier that wants roofing risk — is the difference between a workable program and an uninsurable one.
Get your quote
Kevin Brown Insurance Agency is an independent NJ agency — Kevin Brown is a licensed NJ resident producer (License #3003694894) who shops multiple carriers to match roofing contractor insurance to your actual operation. Call 732-944-1791 or start online for real options with the tradeoffs explained.