Roofing Contractors

Totten Insurance Group offers a stand-alone liability product and/or a full package including Property, Business Interruption and Crime coverage designed for all roofing contractors. Available across Canada, this tailor-made product may include Errors & Omissions, Failure to Perform, Faulty Workmanship, Sudden & Accidental Pollution, and Forest Fire Fighting Expenses solutions.

The CMP may include Property (on a broad form basis), Crime, Contractors Equipment, Tools and Installation Floaters at one competitive premium. Increased limits above base minimums are available on all coverages.

Available for all Roofing Contractors

  • Cold Roofing
  • Hot Tar Roofing
  • Torch-on Applications


  • Commercial General Liability (Broad Occurrence form)
  • Limits up to $2,000,000 In-house
  • $1,000,000 Tennent’s Legal Liability
  • $1,000,000 Sudden & Accidental Pollution
  • $ 500,000 Forest Fire Fighting Expenses
  • $ 250,000 E&O Included (May increase to $1,000,000)
  • $ 250,000 Limited Fungi or Spore Coverage
  • $ 25,000 Faulty Workmanship Included

Exclusive Follow-Form Excess or Umbrella Coverage over Totten’s Primary CGL Available up to $3,000,000 (to Complete a $5,000,000 Tower)



  • Broad form, Replacement Cost, including Sewer Backup, Flood & Earthquake
  • Business Income/Extra Expense
  • Contractors Equipment, Tool and Installation Floaters


  • Broad Form Money & Securities

Underwriting Considerations

  • Minimum Premiums
    • $17,500 Excluding Torch Work (Negotiable Pricing Excluding Heat Application)
    • $22,500 Including Torch Work
  • Subject to Fully-completed Application
  • Minimum Deductibles (applicable to Compensatory Payments only)
    • $10,000 Cold Roofing
    • $10,000 Hot Works

For new submissions, please contact us toll-free at 1-888-868-8367, or email