Top insurance providers for professional roofers handling large-value projects, property fix advice

Insurance Providers for Professional Roofers Handling Large-Value Projects

February 22, 2026

Running a roofing company that takes on large-value projects puts you in one of the most exposed positions in construction. You’re working at heights, managing heavy materials, coordinating multiple crews across job sites, and dealing with weather that changes by the hour. A single injury, one major material failure, or property damage during a commercial roof installation can trigger losses that hit six figures fast. Without the right insurance providers for professional roofers, those bills land straight on your balance sheet.

Here’s the problem: many insurers won’t touch roofing businesses. They classify roofing as one of the highest-risk trades and either turn down coverage entirely or price premiums so high you can’t afford them. This guide walks through five insurance providers for professional roofers who actually want to cover large-value roofing operations. You’ll see options ranging from a contractor-only brokerage with 50+ years in the business to the biggest publicly traded property and casualty insurer on the planet. Each one got picked based on financial strength, roofing-specific coverage, claims track record, and how well they fit high-value roofing work.

How We Selected the Top Insurance Providers for Professional Roofers

We looked at insurance providers for professional roofers between January and February 2026, comparing specialist contractor brokerages, global carriers, national insurers, commercial auto specialists, and digital insurance marketplaces.

Here’s what mattered most:

Financial strength ratings: Providers carrying AM Best ratings of A or better, proving they can pay claims on big roofing losses
Roofing and construction know-how: Insurers running dedicated construction underwriting teams, using roofing-specific policy forms, or showing clear appetite for roofing trades (which many avoid)
Coverage breadth for roofers: Providers offering general liability, workers’ compensation, commercial auto, tools and equipment, umbrella/excess liability, and completed operations coverage with limits that work for large-value projects
Service and quoting model: Insurers giving you dedicated agent support, specialist roofing knowledge, or fast online quoting that matches how roofing businesses at different scales actually operate
Customer reviews and claims handling: Providers with verified customer feedback, Trustpilot ratings, BBB accreditation, or proven claims-handling track records that matter to roofing contractors

Top Insurance Providers for Professional Roofers Handling Large-Value Projects

After comparing dozens of options, these five stood out for large-value roofing operations:

Unlimited Contractors Insurance
Chubb
Nationwide
Progressive Commercial
Insureon

Top Insurance Providers for Professional Roofers

Unlimited Contractors Insurance

Industry Experience: 50+ years in contractor-specific insurance; operates as a division of Affordable Contractors Insurance (ACI)
Roofing Coverage Types: General liability, workers’ compensation, commercial auto, umbrella policies, builder’s risk, tools and equipment, wrap-up insurance programs (OCIP and CCIP), and construction manager (CM) at-risk insurance
Contractor Trades Covered: Roofers, general contractors, HVAC contractors, electricians, plumbers, carpenters, concrete contractors, solar contractors, restoration contractors, excavation and demolition operators, and builders
Coverage Area: Nationwide coverage across all 50 states with state-specific compliance resources
Customer Reviews: Trustpilot score of 4.9 out of 5 (under parent brand Affordable Contractors Insurance); live agent phone support at (888) 664-6057

Company Overview: Unlimited Contractors Insurance operates as part of Affordable Contractors Insurance (ACI), bringing over half a century of contractor-focused insurance experience to the table. They work only with construction and contracting trades (roofers sit at the center of their coverage universe), offering general liability, workers’ compensation, commercial auto, umbrella policies, builder’s risk, wrap-up programs like OCIP and CCIP, plus CM at risk insurance. They cover every state, provide compliance support specific to each location, hold a 4.9/5 Trustpilot score through the parent brand, and put you directly in touch with live agents at (888) 664-6057.

Best For: Professional roofers needing construction-only insurance with wrap-up programs, builder’s risk, and direct access to live agent support
Standout Feature: Construction-only focus spanning 50+ years with roofers listed as a core trade, plus specialized offerings like OCIP, CCIP, and builder’s risk

Chubb

Founded: 1882 in New York City; world’s largest publicly traded property and casualty insurer; approximately 43,000 employees; operations in 54 countries and territories
AM Best Rating: A++ (Superior), the highest possible financial strength rating; also rated AA by Standard & Poor’s
Construction Coverage Types: General liability, workers’ compensation, commercial auto, umbrella and excess casualty, builder’s risk, contractors’ equipment, contractors’ professional liability, construction surety bonds, and environmental/pollution liability
Construction Risk Engineering: In-house network of 500+ risk engineers globally with specialist expertise in construction safety, loss control, and risk mitigation
Roofing Relevance: Covers contractors from small trade contractors to large general contractors; dedicated construction underwriting team; project-specific wrap-up coverage available

Company Overview: Chubb got its start in 1882 in New York City and now stands as the largest publicly traded property and casualty insurer worldwide, employing around 43,000 people across 54 countries. They carry the top-tier A++ (Superior) rating from AM Best and AA from Standard & Poor’s. For roofing contractors running large-value projects, Chubb brings general liability, workers’ compensation, umbrella and excess casualty, builder’s risk, contractors’ equipment, contractors’ professional liability, construction surety bonds, and environmental pollution liability. Their global network includes 500+ risk engineers who specialize in construction safety and loss control, giving roofing businesses risk support that goes beyond just writing policies.

Best For: Large roofing contractors and firms handling high-value commercial projects that need maximum financial strength and global-scale underwriting capacity
Standout Feature: Top-tier A++ AM Best rating paired with 500+ dedicated risk engineers and specialized construction underwriting covering trade contractors up through large general contractors

Nationwide

Founded: 1926; Fortune 100 company; headquartered in Columbus, Ohio; serves 500,000+ small business customers
AM Best Rating: A (Excellent); also rated A+ by Standard & Poor’s and A2 by Moody’s; BBB accredited with A+ rating since 1955
Construction Coverage Types: General liability (standalone and via BOP), workers’ compensation, commercial auto, umbrella, inland marine (tools, equipment, and installation floaters), builder’s risk (standalone and endorsement), and surety and fidelity bonds
Roofing-Specific Relevance: Documented appetite for contracting trades including roofers; contractor-focused policy packages; 50+ years of surety and fidelity industry experience
Service Model: Quotes available online or through Nationwide agents; policies placed through agents; $9.7 billion in annual commercial premiums written; one of the top 10 largest U.S. commercial insurers

Company Overview: Nationwide launched in 1926 and has grown into a Fortune 100 insurance company based in Columbus, Ohio, covering more than 500,000 small business customers. They hold an A (Excellent) rating from AM Best, A+ from Standard & Poor’s, and have kept BBB accreditation with an A+ rating since 1955. For professional roofers, Nationwide delivers general liability, workers’ compensation, commercial auto, umbrella, inland marine coverage (covering tools, equipment, and installation floaters), builder’s risk, and surety bonds, backed by 50+ years of surety know-how. As one of the top 10 biggest U.S. commercial insurers writing $9.7 billion in commercial premiums annually, they have both the scale and documented willingness to underwrite roofing trades.

Best For: Professional roofers wanting a Fortune 100 carrier with builder’s risk, surety bonds, and inland marine coverage from a single insurer
Standout Feature: BBB accredited since 1955 with A+ BBB rating, plus 50+ years of surety experience and proven appetite for contracting trades including roofers

Progressive Commercial

Founded: 1937; headquartered in Mayfield, Ohio; one of the largest commercial auto insurers in the U.S.; operates through direct-to-consumer channels and 40,000+ independent agencies
AM Best Rating: A+ (Superior)
Roofing Coverage Types: General liability (through excess and surplus lines market for roofers), commercial auto, business owners’ policy (BOP), workers’ compensation, professional liability, tools and equipment, cyber insurance, and product liability (included in general liability)
Roofing-Specific Features: Dedicated roofing insurance page; acknowledges roofing as high-risk trade requiring E&S market placement for general liability; up to 25% multi-policy discount for bundling coverage
Service Model: Online quoting available; 50+ years serving commercial businesses; licensed agents available by phone; policies customizable by trade and risk profile

Company Overview: Progressive Commercial got its start in 1937 and now ranks among the largest commercial auto insurers in the United States, operating from Mayfield, Ohio. They hold an A+ (Superior) rating from AM Best and work through both direct channels and more than 40,000 independent agencies. For professional roofers, Progressive offers general liability (placed through the excess and surplus lines market for high-risk trades), commercial auto, BOPs, workers’ compensation, professional liability, tools and equipment, and cyber insurance. They run a dedicated roofing insurance page and give up to 25% multi-policy discount for bundling coverage, with more than 50 years of experience serving commercial businesses.

Best For: Roofing contractors focusing on strong commercial auto coverage alongside general liability, with the convenience of online quoting and multi-policy discounts
Standout Feature: A+ AM Best-rated carrier with dedicated roofing insurance expertise and up to 25% multi-policy discount, plus E&S market access for high-risk roofing general liability

Insureon

Founded: 1997 (as TechInsurance Group); launched as Insureon in 2011; largest online marketplace for small business insurance in the U.S.; a division of Hub International (5th largest global insurance broker with 15,000+ employees)
Carrier Partners: 40+ A-rated insurance carriers including The Hartford, Hiscox, Liberty Mutual, Travelers, Acuity, and Philadelphia Insurance Companies (PHLY); 1 million+ policies written
Roofing Coverage Types: General liability, workers’ compensation, commercial auto, business owners’ policy (BOP), professional liability, tools and equipment, surety bonds, and cyber insurance, all sourced from multiple carrier partners
Roofing-Specific Features: Dedicated roofing insurance page with roofing-specific cost data; median general liability premium for roofers of $267/month ($3,200/year); same-day certificate of insurance (COI) available
Service Model: Licensed in all 50 states and D.C.; single online application retrieves quotes from multiple carriers in seconds; licensed agents available for guidance; BBB rating of A+

Company Overview: Insureon started life in 1997 as TechInsurance Group and relaunched under the Insureon brand in 2011, becoming the largest online marketplace for small business insurance in the United States. Now part of Hub International (the 5th largest global insurance broker with 15,000+ employees), Insureon partners with 40+ A-rated carriers like The Hartford, Liberty Mutual, Travelers, and Acuity, having written over 1 million policies. For professional roofers, Insureon runs a dedicated roofing insurance page and sources general liability, workers’ compensation, commercial auto, BOPs, tools and equipment, surety bonds, and professional liability from multiple carriers through one online application, with same-day COI availability and licensed agent support standing by.

Best For: Roofing contractors wanting to compare quotes from multiple A-rated carriers through a single application with same-day COI access
Standout Feature: Single online application retrieves real-time quotes from 40+ A-rated carriers, backed by Hub International (5th largest global broker) with dedicated roofing-specific cost data and licensed agent support

Factors to Consider When Choosing Insurance Providers for Professional Roofers

Roofing Classification and E&S Market Access

Most insurers classify roofing as a high-risk trade, which means general liability coverage often gets placed through the excess and surplus (E&S) lines market instead of standard carriers. Before you request quotes, make sure your provider has E&S market access or documented appetite for roofing underwriting.

Completed Operations Coverage

Large-value roofing projects carry risk long after your crew packs up. Leaks, material failures, and installation defects can spark claims months or even years down the road. Check that your general liability policy includes completed operations coverage with limits and duration that match your project timelines.

Workers’ Compensation for Height-Risk Trades

Roofing consistently ranks among the most dangerous occupations in the country. Falls from height lead the list of workplace fatalities in construction. Make sure your workers’ compensation policy uses proper roofing classifications and that your provider knows how to handle roofing-specific claims.

Tools, Equipment, and Installation Floaters

Professional roofers haul expensive materials and equipment between job sites every single day. Inland marine coverage (including tools and equipment policies plus installation floaters for materials being installed) protects you against theft, damage, and loss whether you’re in transit or on-site.

Certificate of Insurance Turnaround

Large-value projects and general contractor agreements almost always require a certificate of insurance (COI) before you can start work. Focus on insurance providers for professional roofers that offer same-day or instant COI generation. Delays in producing certificates can cost you contracts before you ever set foot on a roof.

Final Thoughts

Finding the right insurance providers for professional roofers handling large-value projects starts with understanding how insurers classify your trade. Most carriers see roofing as high-risk, so your first step is confirming whether a provider actually wants to insure roofing businesses and not just quote them. Request detailed policy comparisons showing general liability limits, completed operations terms, workers’ compensation classification ratings, and any roofing-specific exclusions. Ask about E&S market access if standard carriers turn you down.

Compare quotes from at least two or three providers. Don’t pick based on premium price alone. Claims handling reputation, COI turnaround speed, and the availability of inland marine and installation floater coverage matter just as much for large-value roofing work. The right insurer understands roofing risks inside and out and acts as a long-term partner, not just a policy vendor.

Comments on this guide to Top Insurance Providers for Professional Roofers Handling Large-Value Projects article are welcome.