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.
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.
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Roofing (Any Type)
All roofing operations are excluded from standard BOP programs due to fall risk and storm damage claims.
ExcludedTree Removal
Tree cutting, removal, and arborist services are excluded due to property damage and injury risk.
ExcludedStructural Foundation
Foundation work, underpinning, and structural modifications are excluded.
ExcludedWork Above 3 Stories
Exterior work above 3 stories is excluded from most standard BOP programs.
ExcludedDemolition
Building demolition and deconstruction are excluded.
ExcludedGC with Subs
General contractors who hire and oversee subcontractors need specialty programs.
ExcludedGet Your Free Contractor BOP Eligibility Guide Quote
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Am I a Fit? Quick Eligibility Check
Review these guidelines to see if your business qualifies for our preferred programs.
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Frequently Asked Questions
Can a roofer get any insurance?
What if I only do occasional roofing work?
Can a general contractor get a BOP?
What alternatives exist for ineligible contractors?
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