Colorado Roofing Contractor Insurance
General liability, workers' comp and license bonds for Colorado roofers, placed through Bearstar Insurance Services and its licensed producers with carriers that write roofing. Same-day certificates of insurance. Call (949) 868-7350.
How Much Does Roofing Contractor Insurance Cost in Colorado?
Roofing is priced on the work you do, not just the trade name. Your general liability price depends on residential or commercial work, storm restoration, re-roofs or new construction, steep-slope or low-slope systems, your annual sales, payroll and claims history. Send us those details and we’ll quote carriers that actually want Colorado roofing business.
Need a license or permit bond for your city? We quote bonds instantly and send your certificate the same day. Call (949) 868-7350.
What Insurance Does a Colorado Roofer Need?
Colorado has no statewide roofing license. Cities and counties license roofers instead, including Denver, Colorado Springs through the Pikes Peak Regional Building Department, Aurora, Fort Collins and Larimer County, and most of them ask for proof of general liability and workers’ comp before they issue or renew a license. Colorado’s residential roofing law also requires a written contract with specific terms, gives homeowners a right to cancel within 72 hours after an insurance claim is denied, and bars roofers from paying or waiving the homeowner’s deductible.
Roofing is one of the hardest trades to insure. Many standard carriers won’t write it, and many roofing policies come with height limits, torch-down exclusions or new-construction exclusions that a contractor doesn’t find until a claim is denied. The Hard Hat Insurance team, the marketing division of Bearstar Insurance Services, places Colorado roofers through Bearstar and its licensed producers with carriers that want roofing business, and reads the exclusions before you sign. Whether you replace hail-damaged roofs in Aurora, do commercial membrane work in Denver or roof new homes in Castle Rock, we match your coverage to your city license and your GC’s certificate requirements.
Commercial General Liability
Roofing General Liability
General liability pays when your work damages property or injures someone who isn’t your employee. For roofers, the most common claims are interior water damage while a roof is open, falling materials, and leaks that show up after the job is finished. After a hail storm, most of your work may be insurance-claim roofs, so make sure your policy covers storm restoration and completed operations.
Coverage for re-roofs, storm restoration and new construction.
Additional insured, waiver of subrogation and primary/non-contributory wording when your GC requires it.
Surety Bonds
Colorado Roofing License Bonds
Some Colorado cities and counties require a roofing contractor license bond or permit bond, and the amount depends on the jurisdiction. We can often issue these bonds the same day, with a quick quote and no long application.
Bad credit programs available.
License and permit bonds for city and county roofing licenses.
Colorado roofers are rated under class code 5551, one of the most expensive classifications, so getting the classification right is the biggest lever on your premium. Office staff (8810) and outside sales or estimators (8742) should be reported separately. Colorado requires workers’ comp once you have employees, and many city license offices ask for proof of it. We compare Pinnacol Assurance with private carriers that write roofing.
Pay-as-you-go options available (helps cash flow).
Waivers of subrogation for commercial contracts.
Workers' Compensation
What We Cover
Commercial Auto
Work Truck & Fleet
Your personal auto policy may not cover an accident in a truck used for work, especially one hauling a trailer, ladders or a load of shingles. Commercial auto covers your work trucks, trailers and the drivers you hire, with higher limits when a contract calls for them.
Builders Risk
Builders Risk (Course of Construction)
Protect a new home from fire, hail, wind, water damage and theft of materials. Sample 12-month premium along the Front Range: about $579 for a $300,000 home, plus fees.
Covers materials on-site and in transit.
Required by most lenders for new construction and remodels.
Inland Marine (Tools & Equipment): Covers theft of your generator, compressor, and hand tools from the job site or your truck.
Professional Liability: For design-build contractors and construction managers.
Excess Liability (Umbrella): When the standard $1M limit isn't enough for a big commercial contract.
And More
Local Service Area
Serving all of Colorado. We insure roofing contractors statewide.
Front Range: Denver, Aurora, Lakewood, Thornton, Boulder, Fort Collins, Greeley.
South & West: Colorado Springs, Castle Rock, Pueblo, Grand Junction.
Call: (949) 868-7350
Coverage placed through Bearstar Insurance Services and its licensed producers. Se habla español.
Need a COI Today?
Most GCs and property managers ask roofing subs for $1M/$2M GL with completed operations, additional insured, waiver of subrogation, primary/non-contributory wording and proof of workers' comp. Send us your GC's requirements and we'll confirm your policy meets them before you sign.
5 Roofing Exclusions That Can Leave You Uninsured
1. Height limitation
Excludes work above a set height, often two or three stories. A problem if you take on apartments or commercial buildings.
2. Hot work / torch-down exclusion
Excludes torch-applied membranes and hot asphalt. If you do flat or low-slope commercial roofs, you need this covered.
3. New construction or tract housing exclusion
Excludes work on new homes or developments, which can remove a large share of a roofer's income.
4. Subcontractor and action-over exclusions
Some policies require every sub to carry their own insurance naming you as additional insured, or a claim on that job may be denied. Others exclude claims where an injured worker sues the GC, who passes the claim to you. Many GCs require that exclusion removed.
5. Interior water damage limits
Caps or excludes water damage to a building’s interior while the roof is open. With Colorado’s hail storms and spring snow, that’s one of the most common roofing claims. We review these provisions before you sign and tell you plainly what’s covered and what it would cost to fix.
Colorado Roofing Insurance FAQ
Do I need a special license to be a roofer in Colorado?
There’s no statewide roofing license, but most cities and counties require a local roofing contractor license, including Denver, Colorado Springs (Pikes Peak Regional Building Department), Aurora and Larimer County. Each sets its own insurance requirements.
Can a Colorado roofer pay or waive the homeowner’s deductible?
No. Colorado’s residential roofing law bars roofers from paying, waiving or rebating the homeowner’s insurance deductible, and it requires a written contract with specific terms.
Do I need workers’ comp if I work alone?
Colorado requires workers’ comp once you have employees. A sole proprietor with no employees doesn’t have to cover themselves, but many city license offices and GCs still ask for proof of coverage.
Can I get insurance if I've had claims or I'm a new business?
Usually, yes. We work with specialty carriers that write new roofing companies and roofers with prior claims, though pricing and terms vary.
Does my GL policy cover a roof that leaks after the job?
Only if your policy includes completed operations coverage and the damage isn't excluded. The repair of your own faulty work is usually not covered, but resulting damage to the building's interior often is.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
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