Last reviewed: June 7, 2026 by Policyhold Compliance Team, Construction compliance operations
Roofing subcontractor insurance requirements for general contractors
Roofing contractors combine height exposure, weather, and completed operations tail that outlasts mobilization. GC programs almost always place roofing in a high-risk tier with elevated general liability and umbrella requirements compared to interior trades.
Water intrusion and fall-related claims drive higher limits and completed operations scrutiny on roofing subs.
Typical commercial limits (Roofing, $1M-$5M projects)
Starting points aligned with common 2026 GC program practice. Verify against your subcontract and owner insurance exhibit.
| Coverage | Typical requirement |
|---|---|
| GL per occurrence | $5M |
| Umbrella | $10M |
| General liability: general aggregate | $10M |
| General liability: products / completed ops aggregate | $10M |
| Workers compensation | Statutory limits per state law |
| Commercial auto liability | $1M combined single limit (CSL) |
Related: Subcontractor insurance requirements checklist and additional insured endorsement guide.
FAQ
- What insurance does a roofing subcontractor need?
- Commercial roofing subs on $1M-$5M projects typically need $2M-$5M per occurrence GL, $4M+ aggregate, $1M auto, $5M-$10M umbrella, plus CG 20 10, CG 20 37, waiver of subrogation, and primary/non-contributory endorsements when required by contract.
- Why is completed operations coverage critical for roofers?
- Leak claims often surface months after installation. GCs require CG 20 37 or equivalent so completed operations coverage extends to the GC and owner for tail exposure.