Frequently asked questions about the NRCA/CNA Insurance Program
Q. Do I have to be a member of NRCA to access the NRCA/CNA Insurance Program?
A. Although not mandatory for insurance coverage, NRCA membership is highly recommended because of the unique
relationship between NRCA and CNA. Benefits of NRCA membership include communication, technical assistance, discounts,
job leads, affinity programs and products valued at more than $2,500.
Q. What is NRCA's relationship with CNA?
A. NRCA and CNA have been partners since 1970 in the most comprehensive insurance program tailored to the roofing industry.
Q. How does CNA stay current with trends in the roofing industry?
A. CNA works closely with NRCA on roofing issues, and CNA representatives participate in NRCA's Insurance Board of
Governors, Health and Safety Committee and the Roofing Industry Alliance For Progress.
Q. How do I get a quote?
A. You should have your agent contact the local CNA branch. If your agent is not a CNA agent, the agent can "broker"
the business through a CNA agent or you can find a CNA agent by visiting http://www.cna.com/cnaeportal/eportal/site/cna and using the Find
an Agent tool.
Q. What are CNA's minimum requirements?
A. CNA requires that a roofing contractor be in business a minimum of three years, have a roofing payroll of at least
$200,000 and perform less than 25 percent residential service work. New residential work is limited to less than 10
percent of revenues. Meeting these qualifications does not guarantee coverage; further individual state restrictions
and underwriting requirements may apply.
Q. Does CNA provide commercial coverages that a roofing contractor needs?
A. CNA provides a flexible portfolio of coverages, including boiler and machinery, commercial auto, contract surety
bonds, crime, directors and officers, employment-related practices, fiduciary liability, general liability, inland
marine, international coverages, ocean marine and cargo, property, umbrella liability and workers' compensation.
Q. What are some of the unique coverages that CNA has developed for roofing contractors?
A. Roofing Replacement Expense Coverage — covers roof system removal, repair or replacement caused by defective
materials or unintentional violation of applicable building codes; in addition, this coverage also covers roof blow-off
if materials do not perform to specifications. Environmental Response Costs Reimbursement — provides up to $25,000 coverage to reimburse for corrective actions
ordered by Environmental Protection Agency for debris removal to a governmental-approved waste site. General Liability Extension Endorsement — provides numerous enhancements to the general liability coverage part,
including but not limited to aggregate limits per project, excess and DIC (difference in coverages) coverage for
non-residential wrap-ups, contractual liability for work done within 50 feet of railroad tracks when a railroad
protective liability policy has been issued for the railroad, and legal liability for borrowed equipment as long as it
is not being used at the time of loss. Roofer's Pollution Liability and Work Site Coverage — covers third-party damages caused by the release of
pollutants from premises owned/rented to or occupied by the insured contractor and at or from work sites where the
insured is performing operations.
For a complete list of the tailored coverages, click here.
Q. What are some of the other services CNA provides to its insureds?
A. CNA's risk-control services help roofing contractors prevent accidents and injuries. Their School of Risk Control
Excellence is free to insureds and provides tools to help businesses increase their profits by cutting costs and
controlling risk exposures in daily operations. FallPRO gives in-depth analysis of fall exposures and management
techniques roofing contractors can use to protect workers. The Return-To-Work Program helps injured workers return to
work safely and expediently, managing the cost of workers' compensation claims. Additionally, CNA's claim service is
among the strongest in the industry.
For more information about CNA’s services, click
Q. What is CNA's involvement with the NRCA/MRCA Certified Roofing Torch Applicator program (CERTA)?
A. The industry consistently experienced a number of significant losses from the use of torches on roofs. In 2004, NRCA
with MRCA initiated the CERTA Training Program, and CNA implemented policy restrictions intended to control this
exposure, which included CERTA training for all torch applicators
As a general CNA underwriting guideline, contractors who use torches on work that accounts for more than 25 percent of
their annual sales are not eligible for general liability or umbrella coverage. In addition, language is added to all
policies excluding coverage for torch fires caused by applicators that are not CERTA-certified. For more information
about CERTA, click here.
Q. What is CNA's financial rating and strength?
A. CNA is a national carrier rated "A" by A. M. Best and has nearly $40 billion in assets.