TCDS Insurance Agency

What Makes a Contractor Ineligible for BOP Insurance?

Not all contractors qualify for standard BOP programs. We explain the specific operations, height restrictions, and risk factors that make contractors ineligible — and what alternatives exist.

Call (205) 847-5616
Quick Answer

Which contractor operations are excluded from BOP?

The most common BOP exclusions for contractors are: roofing (any type), tree removal and arborist services, structural foundation work, exterior work above 3 stories, demolition, general contracting with subcontractor oversight, and industrial/manufacturing facility work. Contractors with these operations need specialty markets or artisan contractor programs.

Who Is This For?

Contractors who have been declined for BOP
Roofers looking for insurance options
Tree service operators
General contractors with subcontractors
Contractors doing high-rise work
Specialty trade contractors

Coverage Options

Tailored protection for your business. We shop 50+ carriers to find the best combination of coverage and price.

Roofing (Any Type)

All roofing operations are excluded from standard BOP programs due to fall risk and storm damage claims.

Excluded

Tree Removal

Tree cutting, removal, and arborist services are excluded due to property damage and injury risk.

Excluded

Structural Foundation

Foundation work, underpinning, and structural modifications are excluded.

Excluded

Work Above 3 Stories

Exterior work above 3 stories is excluded from most standard BOP programs.

Excluded

Demolition

Building demolition and deconstruction are excluded.

Excluded

GC with Subs

General contractors who hire and oversee subcontractors need specialty programs.

Excluded

Get Your Free Contractor BOP Eligibility Guide Quote

Compare rates from 50+ carriers. No obligation, no spam. Just honest pricing in minutes.

Call (205) 847-5616

⭐ 4.9/5 rating • 160+ reviews • No obligation • Free comparison

Am I a Fit? Quick Eligibility Check

Review these guidelines to see if your business qualifies for our preferred programs.

Plumbers, electricians, HVAC, painters, landscapers → eligible
Handymen, cleaning companies, pressure washing → eligible
Masonry, concrete finishing, fencing → eligible
Contractors with occasional excluded work may get conditional approval
Roofers, tree services, demolition, and GCs with subs are ineligible

You Might Also Need

Protect every angle of your business with these complementary coverages.

Contractor Insurance Alabama

Coverage for eligible contractors.

Commercial Auto Insurance

For work trucks and service vehicles.

Workers' Compensation

Required for 5+ employees.

Frequently Asked Questions

Can a roofer get any insurance?
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.
What if I only do occasional roofing work?
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.
Can a general contractor get a BOP?
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.
What alternatives exist for ineligible contractors?
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.

Related Pages

Contractor Insurance Hub

All contractor coverage

BOP Insurance Alabama

Business owners policy details

BOP Eligibility Guide

General BOP eligibility

Plumber Insurance

Eligible contractor example

Related Articles

Learn more about protecting your business with these in-depth guides.

Contractor Insurance Requirements Alabama

License requirements, bonds, and insurance costs for Alabama contractors.

Read Article →

BOP Insurance Alabama Guide

What a BOP covers, who qualifies, and real costs for Alabama businesses.

Read Article →

Workers Comp Alabama Guide

Requirements, costs, and exemptions for Alabama workers compensation.

Read Article →

Ready to Protect Your Business?

Get your free, no-obligation quote in minutes. We shop 50+ carriers to find the best coverage and price for your business.

(205) 847-5616