Roofing Contractors Insurance, Including Hot Tar Roofing

Coverage For BC Roofers

What's Covered

Here is what each part of a roofing contractor's policy pays for, from shingles to torch-on and hot tar. Many insurers turn down hot work, so we compare insurers that accept it and go through the wording with you.

• General Liability

  Pays when your work injures someone or damages their property and you are held responsible, which is called liability. For example, a bundle of shingles slides off the roof and dents a client's car.

  More on Contractors' Liability Insurance

• Torch-On And Hot Tar

  Pays when a torch or a hot tar kettle starts a fire in the building you're working on or the one next door. Many policies leave hot work out or set rules, like a fire watch after the torches are off, so we check the wording.

• Rain During The Job

  Pays when rain gets in through a roof you've opened up and damages the inside of a home or building. For example, a storm hits before your crew has covered a tear-off. Some policies limit this, so we check the wording.

• Completed Work

  Pays when a roof you finished leaks or fails later and damages the inside of the building, or hurts someone. Most policies pay for that damage, but not to repair or replace the roof itself.

• Tools And Equipment

  Pays to repair or replace your torches, tar kettles, hoists, scaffolding and other gear if they are stolen or damaged, on site, in your yard or on the road.

  More on Inland Marine Insurance

• Trucks And Trailers

  Pays when one of your trucks injures someone or damages property in a crash, and to repair your trucks and trailers. In BC the basic coverage comes from ICBC, so we add extra liability and repair coverage on top.

  More on Commercial Auto & Fleet Insurance

• Falls And Injuries

  In BC, injury coverage for your workers, including after a fall, comes from WorkSafeBC, not from an insurance company. General liability pays when a fall or falling debris hurts someone else, like a passer-by.