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.
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.
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.
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.