Roofing Contractor Insurance
Annual commercial package for roofing contractors — GL, workers comp, commercial auto, inland marine, umbrella. Certificates within 24 hours.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
Bundled Contractor Package
GL, workers comp, commercial auto, inland marine — written together.
Venue & GC Certificates
Additional insured, waiver of subrogation, primary/non-contributory wording.
Florida-Resident Agency
We know the carriers, the inspectors, and the local job-site dynamics.
Real People Answer
Same-day phone access during business hours. No phone trees.
Who we cover
Roofing is the highest fall-risk class in residential trades and one of the hardest classes to place in standard markets. Most generic carriers have non-renewed Florida roofers entirely; specialty markets are now the norm. Products and completed operations exposure is massive because roofing leaks emerge months or years after installation. We work multiple specialty markets, ask about fall-protection program and storm-work percentage during underwriting, and schedule each project class so claims sit on the right rate line.
Roofing Contractor-specific exposures
- Fall from height — the dominant high-severity workers comp claim
- Products and completed operations — leaks emerge months or years after installation
- Hurricane and storm-chase work brings high-volume short-term exposure
- Subcontractor crews — coverage flows back to the principal roofer if subs lack their own
- Florida-specific: hurricane season operational impact and aftermath repair volume
Coverage components for roofing contractors
- General liability via specialty markets (most standard markets have exited the FL roofing class)
- Workers compensation required in Florida at 1+ employees — fall protection program documented
- Inland marine on tools, ladders, scaffolding
- Commercial auto on trucks
- Strong products and completed operations limits because of warranty-claim exposure
Florida roofing contractor licensing notes
Florida roofing contractors are licensed through DBPR. Certified Roofing Contractor (CCC) is statewide; Registered Roofing Contractor is county-specific. Florida-specific note: post-storm roofing solicitation rules (Statute 489.147) restrict door-to-door storm chasing and contract requirements during a state of emergency. We confirm license currency during underwriting.
Need a contractor certificate for a job site?
Subcontractor considerations
If you hire subcontractors, your policy is the backstop when their work causes a claim. Carriers want subcontractor agreements requiring their own GL and workers compensation, certificates from each subcontractor on file annually, and indemnity language in the subcontract that flows damages to the responsible party. Document this process during underwriting to keep your premium tight.
What affects your premium
- Annual revenue and payroll
- Largest project value handled
- Residential vs commercial vs new-construction percentage mix
- Use of subcontractors (and their coverage status)
- Claims history
- Years in business and license currency
- State of operation
- Tool and equipment value (drives inland marine)