Checklist

Roofing Quote Prep Checklist

Checklist of the roofing business details carriers ask for when quoting coverage.

How to use this tool

This tool helps roofing contractors gather the details insurance companies review when quoting roofing coverage.

Who this is for

Roofing contractors preparing for a new quote, renewal, or certificate request.

When to use it

Use it before asking for roofing insurance quotes or sending contract insurance requirements for review.

How to use it

Fill in the header fields, review each checklist line, and add your own numbers and notes before you request quotes.

What you get

A PDF or DOCX checklist grouped by general liability, workers compensation, commercial auto, tools, umbrella, bonds, and contract wording.

Roofing Quote Prep Checklist

Checklist of the roofing business details carriers ask for when quoting coverage.

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Business name

State

Approx. payroll

Contact name

Renewal date

Certificate needed?

Checklist

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A PDF or DOCX checklist grouped by general liability, workers compensation, commercial auto, tools, umbrella, bonds, and contract wording.

Available as PDF, DOCX. The file uses the current field values.

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Preview of downloaded checklist

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Business summary

Business: ________________ State: ________________ Contact: ________________ Approximate payroll: ________________ Renewal date: ________________ Certificate needed: ________________

Use this page to collect the details an insurance company may review before it quotes a roofing account. Add your own numbers, limits, and notes in the blanks.

Roofing work details

Check	Detail to gather	Why it matters
☐	Main roofing work: repairs, full replacement, commercial low-slope, residential steep-slope, waterproofing, inspections, sales or consulting	Insurance companies classify roofing work by the actual operations performed.
☐	Residential, commercial, or mixed work percentage	Project type can affect which carriers will insure the work and what questions they ask.
☐	Highest roof height and common roof slope	Work at height is a key roofing exposure for liability and workers compensation review.
☐	Hot work, torch-applied materials, waterproofing, or work near overhead utilities	These operations can lead to additional questions, exclusions, endorsements, or separate coverage needs.
☐	Prior claims, open claims, and any serious job-site incidents	Carriers review loss history when deciding whether to quote and how to price the policy.

Coverage line checklist

Check	Coverage line	Detail to gather	Why it matters
☐	General liability	Requested occurrence and aggregate limits, completed operations needs, and any open-roof or water-intrusion restrictions to review	General liability is usually the proof-of-insurance line for third-party injury and property damage claims.
☐	Workers compensation	Payroll by class of work, employee count, owner inclusion or exclusion, and state of work	Workers compensation is commonly priced from payroll and class of work, and roofing injury exposure gets close review.
☐	Commercial auto	Business-owned vehicles, drivers, garaging state, trailers, and whether employees use personal vehicles for work	Vehicle-related injury or damage involving a work truck is handled separately from general liability.
☐	Tools and equipment	Ladders, compressors, trailers, small tools, installation materials, and where items are stored overnight	Tools and equipment coverage may be needed for items damaged or stolen away from your shop.
☐	Umbrella or excess liability	Higher limits required by contracts, public work, property owners, or general contractors	Requested limits can affect which carriers will insure the account and what premium they charge.
☐	Surety bond	Licensing, permit, or project bond requirement and required bond amount	A bond is different from insurance and may be required by a license authority or contract.

Contracts and subcontractors

Check	Detail to gather	Why it matters
☐	Subcontractor cost and type of work subcontracted	Subcontracted roofing work can change liability review, contract compliance, and audit questions.
☐	Certificates collected from subcontractors	Hiring subs may require proof that each subcontractor carries coverage and appropriate limits.
☐	Additional insured wording requested by a customer, owner, property manager, lender, or general contractor	A certificate alone may not add the required party; the endorsement wording controls the coverage grant.
☐	Primary and noncontributory wording requested by contract	This wording affects the order in which applicable policies pay when more than one policy may apply.
☐	Waiver of subrogation requested by contract	This wording can affect the insurer's right to pursue recovery from another party after paying a covered loss.
☐	Completed operations wording requested after the job is finished	Roof leaks, flashing issues, and other completed-work problems may be discovered after the project ends.

Before requesting quotes

Attach or summarize any contract insurance requirements before asking for certificates or endorsements.
List the limits you need for general liability, auto, workers compensation employer's liability, and umbrella or excess liability.
Note any states where crews work, vehicles are garaged, or payroll is reported.
Keep fall-protection training records, ladder or scaffold controls, and OSHA history available if an underwriter asks.
Review policy exclusions and endorsements for completed operations, subcontracted work, contractual liability, mold, water intrusion, hot work, and open-roof limitations where applicable.
Compare quotes on coverage terms, exclusions, limits, deductibles, and required endorsements, not premium alone.

Next steps

Send this checklist with any contract insurance exhibit when requesting quotes.
Ask for endorsement wording when a contract requires additional insured, waiver, or primary wording.
Review exclusions for completed operations, water intrusion, hot work, and subcontracted work.
Keep payroll, subcontractor cost, vehicles, tools, claims, and safety records available.

What this includes

Download formats

PDF, DOCX

Fields

Business name, State, Approx. payroll, Contact name, Renewal date, Certificate needed?

Document sections

Business summary, Roofing work details, Coverage line checklist, Contracts and subcontractors, Before requesting quotes

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Reviewed byHuy Huynh, technology lead at TradesCoverage and licensed insurance brokerNPN 22071436Last reviewed May 2026

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