Table of Contents

Eight chapters to protect your roofing business in 2026 and beyond.

• Chapter 1 The State of Roofing Insurance in 2026 3
• Chapter 2 Workers' Compensation — Your Biggest Controllable Cost 7
• Chapter 3 General Liability — What Most Roofers Get Wrong 11
• Chapter 4 The Subcontractor Liability Trap 15
• Chapter 5 Navigating Storm Season and Claims 19
• Chapter 6 Alternative Funding Strategies Most Roofers Don't Know Exist 23
• Chapter 7 State-by-State Watch List 26
• Chapter 8 Your 2026 Action Plan 30

The roofing industry is entering 2026 under more financial pressure than at any point in the last decade. Material costs, labor shortages, and an insurance market that has fundamentally shifted are creating a perfect storm for contractors who aren't paying attention.

The Market Has Changed

The roofing insurance market in 2026 barely resembles what contractors dealt with five years ago. Carriers that once competed aggressively for roofing accounts are now tightening underwriting, raising deductibles, and in some cases walking away from the class entirely. This isn't cyclical — it's structural.

Property damage losses from severe convective storms exceeded $60 billion in 2023 alone, and the trend has only continued. Carriers have responded by overhauling how they evaluate roofing contractors, and the bar for coverage is higher than it has ever been.

Tariffs and Material Costs

New and expanded tariffs on imported metals, including steel and aluminum, are driving material costs up by as much as 25% for metal roofing systems. Even asphalt shingles have seen persistent price increases due to supply chain bottlenecks and petroleum cost fluctuations.

The Labor Crisis

The skilled labor shortage is no longer a talking point — it's a cost driver. According to the NRCA, 75% of member contractors report difficulty finding qualified workers, and labor cost inflation has hit 14% year-over-year. When crews are stretched thin and undertrained, injuries increase, quality suffers, and claims follow.

What Carriers Are Doing

Insurance carriers are responding to elevated losses with a multi-pronged approach that roofing contractors need to understand:

• Tighter documentation requirements — Carriers now demand detailed safety programs, training records, and loss-run histories going back 5+ years before quoting.
• Higher deductibles — Wind and hail deductibles have moved from flat-dollar to percentage-based in most storm-prone states, meaning your out-of-pocket on a claim scales with the loss.
• Restrictive endorsements — New exclusions for certain roofing types (flat/low-slope commercial), height limitations, and hot-work restrictions are appearing in renewals.
• Carrier exits — Several major carriers have non-renewed entire books of roofing business in Florida, Louisiana, and coastal Texas, forcing contractors into E&S markets at higher premiums.
• Audit intensity — Premium audits are more frequent and more granular. Misclassified payroll or underreported subcontractor costs trigger significant additional premiums.

The Bottom Line for 2026

If you're a roofing contractor entering 2026 without a deliberate insurance strategy, you're leaving money on the table — or worse, you're exposed. The contractors who will thrive are the ones who treat insurance as a controllable business cost rather than a necessary evil.

Roofing Insurance Market Timeline: 2022–2026

Understanding how we got here helps you anticipate where the market is headed. Below is a condensed timeline of the key developments that shaped today's roofing insurance landscape.

Where the Money Goes: Roofing Contractor Insurance Cost Breakdown

For a typical mid-size roofing contractor ($3M–$5M annual revenue), insurance costs break down roughly as follows. Understanding this breakdown is the first step to controlling it.

The Contractor Readiness Gap

Our analysis of over 2,000 roofing contractor accounts reveals a significant readiness gap. Contractors who proactively manage their insurance programs pay 20–40% less than those who simply renew year after year without strategy.

The rest of this guide is designed to move you from the right column to the left. Every chapter includes specific, actionable steps with clear timelines. The contractors who implement even half of these recommendations will see measurable results at their next renewal.

What's Next

In Chapter 2, we'll tackle the single largest controllable cost in your insurance program: Workers' Compensation. You'll learn exactly how your Experience Modification Rate is calculated, see the dollar-for-dollar impact on a real payroll, and get five specific strategies to bring it down.

For most roofing contractors, workers' compensation is the single largest insurance line item. It's also the one you have the most control over. Your Experience Modification Rate (EMR) is the lever, and understanding how it works is the difference between paying $300,000 a year and paying $200,000.

How Your EMR Works

Your Experience Modification Rate is a multiplier applied to your base workers' comp premium. It's calculated by the National Council on Compensation Insurance (NCCI) or your state rating bureau using your three most recent complete years of claims data, compared against the expected losses for businesses of your size and classification.

• EMR = 1.00 — You're average for your industry. Your premium is at the base rate.
• EMR < 1.00 — You're better than average. You get a credit. An EMR of 0.80 means you pay 20% less.
• EMR > 1.00 — You're worse than average. You get a debit. An EMR of 1.25 means you pay 25% more.

The Dollar Impact: A Real Example

Let's look at what EMR means in actual dollars for a mid-size roofing contractor:

Example: $2M Annual Payroll, Base Rate $15 per $100

5 Specific Actions to Lower Your EMR

1. Implement a formal return-to-work program. Having a written policy that brings injured workers back in light-duty roles within 3 days reduces the total cost of claims by 30–50%. This is the single highest-impact action you can take. Coordinate with your medical provider to define modified duty options for common roofing injuries.
2. Report every claim within 24 hours. Late-reported claims cost an average of 30% more than same-day reports. Many carriers now include prompt-reporting credits. Train your foremen to call in injuries immediately — not at the end of the week, not when the crew gets back to the shop.
3. Conduct weekly documented safety meetings. Not generic toolbox talks downloaded from the internet. Site-specific safety discussions that address the actual work being performed that week. Document attendance with signatures. Carriers review this during audits.
4. Drug test post-accident, pre-employment, and random. A robust drug-testing program typically earns a 3–5% premium credit in most states. More importantly, it reduces the likelihood and severity of claims. Make testing non-negotiable and consistent.
5. Audit your loss runs quarterly. Request your loss runs from your carrier every quarter and review them line by line. Look for claims that should be closed, reserves that seem inflated, and coding errors. Your broker should be helping with this — if they aren't, that's a problem.

Return-to-Work Programs That Actually Work

The concept is simple: get injured workers back on the job in a modified capacity as quickly as medically safe. The execution is where most roofing contractors fail. Here's what a functional return-to-work program looks like:

Workers' Comp Class Codes for Roofing

Make sure your payroll is classified correctly. Misclassification is one of the most common audit issues for roofing contractors and can result in significant additional premium charges.

Common Workers' Comp Mistakes in Roofing

We see these errors repeatedly across roofing accounts. Any one of them can cost you thousands at audit or inflate your EMR for years.

General liability insurance is the coverage line most roofing contractors think they understand — and most get wrong. The gap between what your policy actually covers and what GCs, property owners, and courts expect is where lawsuits live.

Minimum Limits: The Floor is Rising

The standard general liability limits for roofing contractors have been $1,000,000 per occurrence / $2,000,000 aggregate for years. That floor is rising. General contractors on commercial projects are increasingly requiring $3,000,000 / $5,000,000 limits, and some national GCs have moved to $5,000,000 / $10,000,000 for roofing subs specifically.

If you're bidding commercial work and can only show $1M/$2M, you're either losing bids or buying project-specific coverage that erodes your margins. The move to carry higher limits proactively — even if it means umbrella or excess layers — pays for itself in bid access alone.

Completed Operations: Why You Need It

Completed operations coverage protects you against claims arising from work you've already finished. A roof you installed two years ago starts leaking and causes interior damage? That's a completed operations claim. Without it, you're personally liable.

Completed operations is also what GCs look for when adding you as an additional insured. Most additional insured endorsements extend to both ongoing and completed operations — if your policy excludes completed ops, the endorsement is worthless.

Additional Insured Requirements Explained

Nearly every commercial roofing project requires you to add the GC, property owner, or both as additional insureds on your GL policy. Here's what you need to know:

• CG 20 10 — The standard additional insured endorsement for ongoing operations. This covers the additional insured for claims arising from your current work on their project.
• CG 20 37 — The additional insured endorsement for completed operations. This extends coverage past project completion. GCs increasingly require both forms.
• Primary and non-contributory — This means your policy pays first, before the GC's own insurance. Most GC contracts require this language. It's typically added via endorsement CG 20 01 or equivalent.
• Waiver of subrogation — Prevents your carrier from recovering from the GC after paying a claim. Standard requirement in most subcontract agreements. Must be added to your policy before the loss occurs.

Common Exclusions That Catch Roofers Off Guard

Your GL policy isn't a blank check. These exclusions appear regularly in roofing contractor policies and create gaps most contractors don't discover until they have a claim:

Understanding Your GL Rating Basis

General liability premiums for roofing contractors are typically rated on one of two bases: payroll or revenue. Understanding which basis your policy uses — and how to optimize it — is essential.

The Umbrella Question

An umbrella or excess liability policy sits above your GL, auto, and employer's liability limits. For roofing contractors, it's not optional — it's how you meet GC requirements without buying primary limits higher than necessary.

A $5M umbrella over a $1M/$2M GL policy gives you $6M/$7M in total coverage. The umbrella typically costs 40–60% less per million than increasing your primary GL limits. However, umbrella capacity for roofing contractors has tightened significantly in 2025–2026, and some markets now require minimum underlying limits of $2M/$4M before they'll attach umbrella coverage.

GL Premium Optimization Checklist

Before your next renewal, work through this checklist with your broker to ensure you're not overpaying for general liability:

• Verify all subcontractor costs are backed by valid COIs and excluded from your payroll basis
• Confirm overtime premium is excluded from the payroll calculation (where state rules allow)
• Review classification codes — are estimators and office staff properly separated?
• Check that your stated revenue projections are accurate (over-estimating means higher deposit premium)
• Ensure completed operations limits haven't been reduced or excluded at renewal
• Verify additional insured endorsements are blanket, not project-specific
• Confirm your deductible structure — a higher deductible can reduce premium 5–15%
• Request loss-control credits for documented safety programs

What's Next

In Chapter 4, we'll cover the liability exposure that catches more roofing contractors off guard than any other: subcontractor risk. If you use any subs — even one — you need to read this chapter.

Every roofing contractor who uses subcontractors carries a risk they may not see on their balance sheet. The legal principle is straightforward: as the prime contractor, you can be held liable for the actions of your subs. "They're a sub, it's their problem" is not a defense — it's a prayer.

Why "It's Their Problem" Is Wrong

Under the legal doctrines of vicarious liability and respondeat superior, a prime contractor can be held responsible for injuries and property damage caused by subcontractors working on their projects. This applies even when the subcontractor has their own insurance. Here's why:

• The injured party sues everyone. Plaintiffs' attorneys name every entity involved in the project. As the prime, you're always on the list.
• Your sub's coverage may be inadequate. Even if they have insurance, their limits may not cover the full claim. The remainder flows uphill to you.
• Their policy may have lapsed. A COI you collected six months ago means nothing if the sub cancelled their policy last month.
• Contractual liability still applies. If your contract with the GC or property owner holds you responsible for all work on the project, sub claims are your claims.

Real-World Examples

The COI Verification Process Every Roofer Needs

A Certificate of Insurance is only useful if it's current, adequate, and verified. Here's the process that actually protects you:

1. Collect COIs before any work begins. No exceptions. No "they'll send it tomorrow." No work starts without a current certificate on file. Make this a non-negotiable policy.
2. Verify coverage matches your requirements. Check GL limits (minimum $1M/$2M), WC coverage, auto liability, and umbrella if required. Look for exclusions that affect your project type.
3. Confirm you're listed as additional insured. The COI itself is informational only — it doesn't grant you additional insured status. You need the actual endorsement. Request a copy of the AI endorsement, not just the certificate.
4. Set up automatic renewal notifications. Use a COI tracking system or calendar reminders. When a sub's policy expires, work stops until you have a renewed certificate. No exceptions.
5. Require 30-day cancellation notice. Your subcontract agreement should require subs to maintain coverage for the duration of the project and provide 30 days' written notice of any cancellation or material change.

Contract Language That Actually Protects You

Your subcontract agreement is your primary legal protection. At minimum, it should include these provisions:

The Financial Impact of Unmanaged Sub Risk

To put this in concrete terms, here's what unmanaged subcontractor risk looks like on your bottom line:

The prevention cost for every scenario is effectively zero. It's process and discipline, not capital. Yet we see roofing contractors skip these steps every single day because "we've been using that guy for years."

What's Next

Chapter 5 tackles the annual reality every roofing contractor faces: storm season. You'll learn what carriers now require for documentation, how to build photo evidence that holds up, and supplement strategies that actually work.

Sub Management Quick-Reference

Post this in your office. Share it with every project manager. Make it a condition of doing business.

Every item above is non-negotiable. A sub who can't provide these documents isn't a partner — they're a liability. The temporary convenience of skipping a step is never worth the long-term cost of an uninsured claim.

Storm work is where roofing contractors make their best margins — and where the most disputes, denials, and regulatory problems occur. Carriers have dramatically increased their documentation requirements, and the contractors who adapt will win. Those who don't will lose money, time, and access to future work.

Documentation Requirements Carriers Now Demand

Gone are the days when a handwritten scope on company letterhead was sufficient. In 2026, carriers and their adjusters expect a level of documentation that approaches engineering-report quality from roofing contractors:

• Pre-loss condition evidence — Photos, inspection reports, or satellite imagery showing the roof's condition before the storm event. Carriers are using aerial imagery services to verify pre-loss conditions.
• Storm event verification — Documented wind speeds, hail size, and event timestamps from weather services. Your claim must correlate with a verified weather event.
• Comprehensive damage assessment — Not just "the roof is damaged." Carriers want square-footage calculations, damage density counts (hail hits per test square), and systematic documentation of every affected area.
• Code-compliant scope of work — Your repair scope must reference current building codes. If code requires full replacement but you only scope a patch, the carrier may deny the supplement. If you scope replacement when code allows repair, you look like you're inflating.
• Material specifications — Exact manufacturer, product line, and specifications for replacement materials. Generic descriptions are no longer accepted.

Photo Evidence Standards

Your photos are your evidence. If they're blurry, poorly organized, or missing context, they're worthless. Here's the standard:

Photo Documentation Checklist

• Property exterior from all four sides (ground level)
• Roof overview from highest accessible point
• Each slope / section identified and labeled
• Test squares marked with chalk — photographed with ruler for scale
• Hail impact close-ups with measuring device (coin, ruler, hail gauge)
• Wind damage — lifted shingles, missing tabs, exposed underlayment
• Collateral damage: gutters, vents, skylights, flashing
• Interior damage: water stains, active leaks, ceiling/wall impact
• Address visible in at least one exterior photo
• Date/time stamp enabled on camera or documented in file metadata

Code-Compliant Scope of Work Requirements

Building codes are your friend in the claims process — if you know how to use them. Many jurisdictions have adopted the International Building Code (IBC) or International Residential Code (IRC), which include provisions that can trigger full replacement even when damage is limited to a section of the roof.

• The 25% Rule (R908.3.1, IRC) — When more than 25% of the roof covering is being repaired or replaced in any 12-month period, the entire roof covering must be brought into compliance with current code. This is a powerful tool for full-replacement scopes.
• Matching requirements — Many jurisdictions require that repairs match existing materials in type, color, and profile. When discontinued products can't be matched, code may require full-slope or full-roof replacement.
• Underlayment upgrades — Code changes since the original installation often require ice-and-water shield in valleys, at eaves, and around penetrations. This is a legitimate code-upgrade cost.
• Ventilation compliance — If the existing roof doesn't meet current ventilation code (1:150 or 1:300 ratio), a re-roof triggers compliance. This adds cost that belongs in the claim scope.

Supplement Strategies That Work

Supplements are additional claims for costs not included in the original insurance estimate. They're a legitimate and necessary part of the restoration process — but they need to be handled professionally.

1. Document during the work, not after. When you discover additional damage during tear-off or identify code-upgrade requirements, photograph it immediately. Stop work if necessary. Document the discovery in real-time with dated photos and notes.
2. Use Xactimate or comparable estimating software. Carriers work in Xactimate. If you submit supplements in a different format, you're creating friction. Match their system, use current pricing, and include line-item detail.
3. Submit supplements promptly. Don't wait until the job is done to submit a supplement for work discovered during tear-off. Submit within 48 hours of discovery. Delayed supplements raise suspicion.
4. Include code references for every upgrade. Every line item that represents a code upgrade should reference the specific code section. "Ice and water shield at eaves per IRC R905.1.2" — not "added ice and water."
5. Keep communication professional and documented. Every conversation with an adjuster should be followed by a written summary email. "Per our conversation today, we discussed the following items..." This creates a paper trail that protects you in disputes.

What to Do When a Claim is Denied

A claim denial isn't always the end. Here's the escalation path:

• Request the denial in writing with specific reasons cited
• Review the adjuster's report line by line against your documentation
• Submit a formal rebuttal addressing each point of disagreement with supporting evidence
• Request re-inspection if the adjuster missed damage or made errors
• Engage a public adjuster or attorney if the carrier is non-responsive — but only after exhausting direct negotiation

Storm Season Preparation Timeline

Don't wait for the first hail report. Preparation is what separates contractors who profit from storm season from those who get buried in disputes.

Most roofing contractors buy fully insured workers' comp and health insurance because that's all they've been shown. But there are alternative structures that can save 15–40% for the right contractor — particularly those with good claims history and stable workforces.

The Funding Spectrum

Level-Funded Options for Smaller Contractors

Level-funded plans are the sweet spot for roofing contractors with 10–75 employees who have reasonable health claims experience. Here's how they work:

• You pay a fixed monthly amount that covers expected claims, stop-loss insurance, and administration
• If your employees' actual claims come in below the funded level, you get the surplus back
• If claims exceed the funded level, stop-loss insurance covers the overage — your cost is capped
• Unlike fully insured plans, you get transparency into your claims data, which helps you make informed decisions

PEO Options and When They Make Sense

A Professional Employer Organization (PEO) co-employs your workers, allowing your employees to access the PEO's master health and workers' comp policies. For smaller roofing contractors (5–50 employees), PEOs can provide:

• Better WC rates through the PEO's larger pool and negotiated programs
• Access to Fortune-500-level health benefits that you couldn't get on your own
• Administrative relief — payroll processing, HR compliance, benefits administration
• Pay-as-you-go WC that eliminates large upfront deposits and reduces audit exposure

Group Captive Insurance

A group captive is a member-owned insurance company where contractors with good loss experience pool their risk. This is the most powerful cost-reduction tool available to mid-size roofing contractors, but it requires commitment.

Taft-Hartley for Non-Union Shops

Taft-Hartley trusts were originally created for union workers, but non-union employers can access similar structures through association health plans and multi-employer welfare arrangements (MEWAs). These plans leverage group buying power to provide health, dental, and vision coverage at costs below the individual small-group market.

For roofing contractors, trade association-sponsored plans (through NRCA or state roofing associations) may offer access to these structures. The key advantage is rate stability — your premiums are based on the overall group's experience, not just your company's.

Decision Framework: Which Strategy Fits Your Business?

Use this decision framework to identify which alternative funding strategy is worth exploring for your roofing company:

Insurance regulation is state-specific, and the legislative landscape for roofing contractors is shifting fast. Here are the five states every roofing contractor needs to watch in 2026, whether you operate there or not — because what starts in these states tends to spread.

Florida

HB 715 & Carrier Exits

Florida remains the most volatile roofing insurance market in the country. HB 715 and its successor legislation have fundamentally reshaped the contractor-homeowner-carrier relationship:

• Assignment of Benefits restrictions — AOB abuse drove billions in fraudulent claims. New legislation restricts AOB assignments and requires one-way attorney fee provisions, making frivolous litigation less profitable.
• Solicitation restrictions — Door-to-door solicitation for roofing work within specific timeframes after storms is now regulated. Violations carry significant fines and potential license suspension.
• Carrier exits — Multiple national carriers have exited Florida residential roofing entirely. The remaining market is dominated by Florida-domestic carriers and E&S markets, with premiums 40–60% higher than the national average.
• Roof age limitations — New legislation affects how carriers evaluate roof claims based on age, requiring different depreciation schedules and potentially limiting full replacement coverage on older roofs.

Texas

Market Hardening & Wind/Hail Changes

Texas is the highest-volume roofing market in the country, and carriers are responding to sustained hail losses with structural changes:

• Percentage-based deductibles are now standard for wind and hail in most Texas markets, typically 1–2% of the insured value
• Cosmetic damage exclusions are becoming more common, covering only functional damage from hail events
• Anti-solicitation enforcement has increased, particularly in the DFW and San Antonio metro areas
• WC rates remain competitive but audit enforcement has intensified

California

Wildfire Exposure & Labor Law Changes

California presents unique challenges for roofing contractors that go beyond standard insurance concerns:

• Wildfire exposure — Contractors working in Wildland-Urban Interface (WUI) zones face heightened GL exposure. Fire-resistant roofing requirements (Class A rated) are now mandatory in expanding WUI zones, and contractors must carry additional coverage for fire-related liability.
• AB 5 and worker classification — California's strict independent contractor rules under AB 5 (the "ABC test") make it extremely difficult to classify roofing workers as 1099 contractors. Misclassification penalties are severe and can trigger WC audit assessments retroactively.
• CSLB enforcement — The Contractors State License Board has increased enforcement actions against unlicensed and uninsured roofing contractors, including sting operations and partnerships with district attorneys.
• Prevailing wage expansion — More projects now require prevailing wage compliance, which directly affects your WC premium calculations (higher wages = higher premium basis).

Colorado

Hail Legislation Updates

Colorado's Front Range is one of the most hail-prone regions in the country, and the legislature has been active:

• Consumer protection legislation has strengthened homeowner protections in contractor-homeowner agreements, requiring more detailed scopes and specific cancellation provisions
• Insurance reform bills addressing contractor rebates, deductible absorption, and advertising restrictions have been introduced and in some cases passed
• Managed repair networks — Some carriers are steering claims to preferred contractor networks, bypassing homeowner choice. This affects independent contractors' access to storm work
• Building code adoption — Impact-resistant roofing requirements in hail-prone areas are expanding, changing material specifications and costs

Louisiana

Post-Hurricane Market

Louisiana's insurance market is still recovering from the devastating hurricane seasons of recent years:

• Carrier availability is severely limited — many national carriers have exited or restricted Louisiana residential roofing
• Premiums have increased 30–50% in some parishes, with windstorm coverage being the primary driver
• Louisiana Citizens (the state-run insurer of last resort) has expanded but is also raising rates and tightening eligibility
• Tort reform passed in recent sessions has begun to reduce "nuclear verdicts" but the full impact on insurance pricing has yet to materialize

State Comparison at a Glance

What's Next

In the final chapter, we'll pull everything together into a concrete 2026 action plan: a 10-point checklist, a quarterly review schedule, and a clear framework for deciding when to shop your insurance program versus staying with your current carrier.

Other States to Watch

While the five states above demand the most attention, several others are seeing notable developments in 2026:

You've read the data, you understand the risks, and you know the strategies. Now it's time to execute. This chapter gives you a 10-point checklist, a quarterly review schedule, and a clear decision framework for your next renewal.

The 10-Point Checklist for 2026

1. Audit your current coverage. Pull every policy, read every exclusion, verify every limit. Make sure what you think you have is what you actually have. Do this in a single sitting with your broker.
2. Know your EMR. Request your current experience mod worksheet. Understand every line. If it's above 1.0, make a written plan to bring it down. If it's below, understand what's keeping it there.
3. Formalize your safety program. Written policy, documented training, weekly safety meetings with attendance records. This isn't optional — it's what carriers and GCs require to do business with you.
4. Implement return-to-work. If you don't have a formal RTW program with defined light-duty roles, create one this quarter. It's the single highest-impact action for reducing WC costs.
5. Lock down subcontractor compliance. Every sub needs a current COI, additional insured endorsement, signed subcontract agreement, and W-9 on file before they set foot on your project.
6. Review your limits against current GC requirements. If GCs are requiring $3M/$5M and you're carrying $1M/$2M, you're either losing bids or buying project-specific coverage at higher cost.
7. Build your documentation infrastructure. Photo protocols, code-reference libraries, Xactimate capability, and supplement templates. Invest in this before storm season, not during it.
8. Evaluate alternative funding. Get quotes for at least one alternative structure (level-funded health, PEO, or captive feasibility) to benchmark against your current program.
9. Track state legislation. Subscribe to your state roofing association's legislative updates. Set a monthly calendar reminder to review changes that affect your business.
10. Start your renewal process early. Begin marketing your insurance program at least 120 days before renewal — not 30 days. Early starts give your broker time to access the best markets and negotiate on your behalf.

Quarterly Review Schedule

Insurance isn't a set-it-and-forget-it expense. Build these quarterly reviews into your business calendar:

When to Shop Your Program vs. Stay Put

Not every renewal needs to be shopped. Marketing your account too frequently can damage your reputation with carriers. Here's when to stay and when to go:

Your Printable 2026 Insurance Checklist

Tear this page out. Post it in your office. Review it monthly.

• Current loss runs requested and reviewed for accuracy
• EMR worksheet obtained and understood
• Written safety program in place with documented weekly meetings
• Return-to-work program formalized with defined light-duty roles
• All subcontractor COIs current, with AI endorsements on file
• GL limits meet current GC requirements for target projects
• Completed operations coverage confirmed on GL policy
• All policy exclusions reviewed and understood
• Photo documentation protocol established for storm work
• Xactimate or equivalent estimating software available
• Building code reference library compiled for your jurisdiction
• Alternative funding options evaluated (level-funded, PEO, captive)
• State legislative updates monitored monthly
• Renewal marketing initiated 120+ days before expiration
• Quarterly insurance review meetings scheduled for the year