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 for 38 years. NRCA recommends the program but
does not provide the underwriting of the program. NRCA works with CNA to help tailor
coverages specifically for roofing contractors with the guidance and assistance
of roofing contractors. By working together, we are able to develop a broad portfolio
of products addressing roofing contractors' insurance needs.
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 here.
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.
One or more of the CNA companies provide the products and/or services described.
The information is intended to present a general overview for illustrative purposes
only. It is not intended to constitute a binding contract. Please remember that
only the relevant insurance policy can provide the actual terms, coverages, amounts,
conditions and exclusions for an insured. All products and services may not be available
in all states and may be subject to change without notice. Use of the term "partnership"
and/or "partner" should not be construed to represent a legally binding partnership.
CNA is a service mark registered with the United States Patent and Trademark Office.
Copyright © 2008 CNA. All rights reserved.