Roofing Contractor Insurance Program from Agents Insurance Markets, Inc.
Agents Insurance Markets, Inc. (AIM) provides a specialized Roofing Contractor Insurance program designed to meet the needs of both commercial and residential roofers in North Carolina and Virginia. With over 30 years of experience insuring contractors, AIM understands the unique risks associated with roofing operations and offers tailored solutions to help agents place this business efficiently and competitively.
Ideal Accounts and Underwriting Appetite
This program is a strong fit for a wide range of roofing contractors, from small residential outfits to larger commercial operations. Whether your client works on single-family homes or light commercial buildings, AIM offers flexible solutions that meet the needs of the trade.
Eligible Classes Include:
- Residential Roofers (up to three stories)
- Commercial Roofers
Acceptable Risks:
- Hot tar usage is acceptable (must submit if over 25%)
- Contractors with new ventures or established operations
Coverage Highlights and Advantages
AIM’s Roofing Contractor Insurance program includes key coverages and endorsements commonly required by project owners and general contractors. Agents can access multiple carriers through AIM to tailor coverage that suits the size, scope, and budget of their client’s roofing business.
Program Features:
- Comprehensive General Liability Coverage
- Limits available up to $5,000,000
- Property Coverage with Enhancement Forms
- Equipment and Tool Floaters Available
- Additional Insured Endorsements
- Waiver of Subrogation and Primary/Noncontributory Wording
- Per Project Aggregate Limits
- Damage to Premises Rented to You up to $100,000
- Medical Payments up to $5,000
- Occurrence Form Coverage
Territory and Availability
This program is currently available to agents placing business in North Carolina (NC), Virginia (VA), and Washington D.C. As a non-admitted offering, it provides the flexibility to tailor coverage for accounts that may not fit within standard markets.
Why Work With Agents Insurance Markets, Inc.?
AIM offers more than market access—we bring deep insight into contractor risks and a commitment to responsive service. As a Managing General Agency with access to a variety of reputable carriers, we help agents secure competitive quotes quickly. Whether your roofing client is a startup or a seasoned contractor, AIM is here to support your placement needs with speed and expertise.
You might have a client who just launched a roofing company and needs affordable GL coverage to qualify for residential projects. Or maybe you're working with a commercial roofer bidding on larger jobs who needs per-project aggregate and waiver of subrogation options. AIM can help you place both types of accounts effectively.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for residential roofers working on structures up to three stories and commercial roofers, including those using hot tar (with underwriting approval if usage exceeds 25%).
Is coverage available for new ventures?
Yes, AIM can consider new ventures and start-up roofing contractors, depending on other qualifying factors such as experience and scope of operations.
Are additional insured and waiver of subrogation endorsements available?
Yes, we offer both additional insured endorsements and waiver of subrogation/primary wording, which are often required by project owners and general contractors.
What is the maximum General Liability limit available?
General Liability limits are available up to $5,000,000, with excess liability options if higher limits are needed.
Which states is this program available in?
The program is currently available in North Carolina, Virginia, and Washington D.C.
Need help placing an account? Connect with a market specialist.