General Liability Insurance for Storm Restoration Contractors
Roofing-rated general liability is the foundation of every storm restoration program. We place A-rated GL with $1,000,000 per-occurrence and $2,000,000 aggregate limits built for the realities of tear-offs, re-roofs, and multi-state hail work — including the additional-insured and waiver-of-subrogation endorsements your contracts demand.
Coverage Details
Third-Party Bodily Injury
If a homeowner, passerby, or other trade is hurt because of your work — a falling shingle, a tripping hazard, dropped debris — your GL responds to medical costs, legal defense, and settlements up to your policy limits.
Property Damage
Storm work is high-stakes: a tarp fails overnight, water gets into a home mid-project, or equipment damages a driveway. GL covers third-party property damage you become legally liable for, which is exactly what GCs and homeowners want to see on your COI.
Products & Completed Operations
Completed-operations coverage protects you after the job is done. If a re-roof you finished last season leaks and causes interior damage, this is the part of your policy that responds — critical for restoration work that's scrutinized after the fact.
Additional Insured & Waiver of Subrogation
General contractors, property managers, and insurance-restoration networks routinely require you to name them as additional insured and waive subrogation. We add the right endorsements so you qualify to bid — and so a missing form never costs you a job.
Personal & Advertising Injury
Covers claims like slander, libel, or copyright issues in your advertising — relevant when storm-chasing marketing and door-knocking are part of how you win work.
Medical Payments
Small, no-fault medical payments for minor third-party injuries on your jobsite — often resolving issues before they escalate into liability claims.
Is This Coverage Right for You?
If any of these describe your storm restoration business, this coverage belongs in your program.
- Roofing and storm restoration contractors bidding GC or insurance-restoration work
- Businesses that need $1M/$2M limits to satisfy contract requirements
- Contractors required to name additional insureds or provide waivers of subrogation
- Companies running crews across multiple states during hail season
- Contractors who use sub-contractors and need to manage their COI exposure
- Anyone whose current GL excludes or surcharges roofing height work
The Right Coverage, Placed by People Who Get It
Roofing-Rated, Not Surcharged
Most agents bury roofing in exclusions or sky-high pricing. We place it correctly with carriers that actually want the class.
Same-Day COIs
Need to be on a roof tomorrow? We turn certificates and additional-insured endorsements around fast so you never lose a job to paperwork.
Multi-State Structure
We build your GL to follow your crews across state lines so a new hail market never means a coverage gap.
General Liability Insurance for Storm Restoration Contractors — FAQ
Straight answers from a team that specializes in storm restoration.
Most contracts require $1,000,000 per occurrence / $2,000,000 aggregate at minimum. Larger commercial and some property managers require higher limits or an umbrella. We match limits to the contracts you're chasing.
Get Your Free Storm Insurance Quote Today
15-minute quotes. A-rated carriers. Coverage that follows your crews across every state line.