Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 6 named markets · read 2026-10-28

Who insures Roofers?

Roofers is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write Roofers: Kinsale Insurance, Prime Insurance Company, Penn-America, USG Insurance Services, Jencap and others. 3 E&S carriers, 1 MGA, 1 wholesaler, 1 admitted carrier. 2 through surplus lines.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Kinsale Insurance
E&S carrier		Artisan and small contractors including roofing, plus residential and commercial contractors in all trade specialties; Roofing is also a construction casualty target class.
“carpentry, concrete, demolition, excavation, HVAC, metal erection, and roofing”		not statednot statedkinsaleins.com · read 2026-10-28
Prime Insurance Company
E&S carrier		Artisan and specialty contractor liability; Roofing Contractors listed under Contractors We Can Help.
“Roofing Contractors”		all 50 statesSurplus linesprimeis.com · read 2026-10-28
Penn-America
E&S carrier		Specialty classes of business include residential and commercial roofers, written through wholesale general agents with binding authority.
“Roofers (residential and commercial)”		not statedSurplus linespenn-america.com · read 2026-10-28
USG Insurance Services
MGA		Contractor classes include Roofers (residential and commercial roofers on its marketing sheets), sprinkler and fire suppression contractors, restoration contractors and GCs.
“Residential & Commercial Roofers”		not statednot statedusgins.com · read 2026-10-28
Jencap
Wholesaler		Roofing listed under Target Classes of Business for its construction wholesale brokerage.
“Roofing”		not statedbothjencapgroup.com · read 2026-10-28
NEXT Insurance
Admitted carrier		Business insurance for roofers (general liability and related small-business coverages).
“ERGO NEXT specializes in business insurance for roofers”		not stated (page says not available in all states)not statednextinsurance.com · read 2026-10-28

Also verified but omitted to stay within six: Evolution Insurance Brokers (surplus lines brokerage) lists Roofing Contractors at https://www.eibdirect.com/risk-class/roofing-contractors-insurance/, and Great American lists Roofing as a suitable trade for its Contracting Services Environmental Liability policy. Amwins roofing page, BTIS, Pathfinder, Builders Mutual, Arrowhead and ICW pages either did not name roofers or were unreachable; CompleteMarkets storefronts returned 403.

How Roofers gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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