Roofing contractors face some of the highest risks in the construction industry. From falls and equipment accidents to property damage, the potential for liability is significant. That’s why Certificate of Insurance (COI) compliance is especially critical for roofing companies and the general contractors who hire them.
Why Roofing Work Is High-Risk
- Fall Hazards: Roofing remains one of the leading causes of construction injuries.
- Weather Exposure: Rain, wind, or heat can create dangerous working conditions.
- Property Damage: Leaks or structural issues can cause expensive claims.
- OSHA Scrutiny: Roofing projects are regularly inspected due to high accident rates.
These risks make insurance coverage non-negotiable — and valid COIs the first line of defense.
The Role of COIs in Roofing Projects
A Certificate of Insurance proves that a roofing subcontractor carries active policies for:
- General Liability Insurance – Protects against property damage and accidents.
- Workers’ Compensation – Covers injuries on the jobsite.
- Auto Liability (if applicable) – For vehicles transporting materials and crews.
Without these COIs, project owners and GCs could be left covering costly claims.
Common COI Problems in Roofing
- Subcontractors submitting expired policies
- Missing workers’ comp coverage for crews
- GCs storing COIs in emails or folders that are hard to access
- Delays caused by chasing down paperwork before work starts
How Contractors Can Stay Compliant
- Require COIs Before Work Begins – No exceptions.
- Verify Policy Limits Match Contract Requirements – Don’t accept incomplete coverage.
- Track Expirations Proactively – Avoid mid-project lapses.
- Automate the Process – Eliminate manual chasing and human error.
How ConCOI Simplifies Roofing Compliance
With ConCOI, roofing contractors and GCs can:
- Collect COIs through simple text or email uploads
- Get automated reminders for renewals
- Validate policy details with AI extraction
- Maintain a real-time dashboard of compliance
Final Thoughts
Roofing projects are risky enough without adding liability gaps into the mix. Strong COI compliance keeps crews protected, owners confident, and projects moving forward. By using a tool like ConCOI, roofing contractors can make compliance effortless — and stay focused on building.
👉 Next Step: Start Managing Roofing COIs with ConCOI
Leave a Reply