Why Roofers Work With Weer
- Roofer-Friendly Carriers: We work with underwriters who specialize in roofing risks.
- We Know the Requirements: Fast COIs with all the endorsements your GC or city needs.
- Affordable Payment Plans: Monthly billing options and financing available.
What’s in a Roofer’s Policy?
- General Liability: Job site injury and damage coverage.
- Tools & Equipment: Compressors, ladders, nail guns, and more.
- Workers’ Comp: Absolutely essential for roofing contractors.
- Commercial Auto: Covers dump trucks, pickups, and trailers.
- Installation Floater: Protects stored roofing materials.
- Excess/Umbrella: For larger commercial project limits.
Ideal For:
- Residential Roofers – shingles, metal, tile
- Commercial Roofers – flat, EPDM, modified bitumen
- Repair & Tear-Off Crews
- New Construction or Rehab Contractors
Frequently Asked Questions
Q: What insurance does a roofing contractor need in Illinois?
A: Most Illinois roofing contractors need general liability, workers' compensation, commercial auto, and tools & equipment coverage. Many GCs and municipalities also require specific endorsements, like open-flame coverage for torch-down roofing.
Q: How fast can I get a certificate of insurance (COI) for a roofing job?
A: Weer Insurance Group typically issues COIs same-day, with all endorsements your GC or city permit office requires.
Q: Does roofer insurance cover open-flame work like torch-down TPO roofing?
A: Only if your policy has an open-flame endorsement and no related exclusions. Standard GL policies often exclude this — ask your agent to confirm before starting a torch-down job.
Q: Is workers' compensation required for roofing crews in Illinois?
A: Yes. Illinois law requires workers' compensation coverage for employees, and roofing is classified as a high-risk trade, which affects premium calculation.
Real Claim Example
A 4-man crew replacing a TPO roof in Joliet dropped a torch, igniting insulation. The $90K+ damage was fully covered—thanks to proper open-flame endorsements and no exclusions in the policy.
Click to Call 
Send us a Text 
Get Directions