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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.

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 and using the Find an Agent tool.

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% residential service work. New residential work is limited to less than 10% of revenues. Meeting these qualifications does not guarantee coverage; further individual state restrictions and underwriting requirements may apply.

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.

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 the 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 worksites where the insured is performing operations.

View more information about CNA’s services.

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. 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.


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