Learn which contractor operations are excluded from BOP insurance in Alabama. Roofing, tree removal, structural work, and more. What to do if you're ineligible.
Learn which contractor operations are excluded from BOP insurance in Alabama. Roofing, tree removal, structural work, and more. What to do if you're ineligible.
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Yes, but not through standard BOP programs. Roofers need specialty contractor insurance from markets that specifically write roofing operations. Premiums are higher due to the increased risk.
Even occasional roofing work can disqualify you from standard BOP programs. Some carriers will write you if roofing is less than 10% of revenue, but you must disclose it.
GCs who perform their own work (like a plumber who also does some carpentry) may qualify. GCs who primarily hire and oversee subcontractors need specialty programs.
Specialty contractor programs, artisan contractor policies, and excess and surplus lines markets serve contractors excluded from standard BOP programs. Premiums are higher but coverage is available.