A roofing company is a trucking operation that happens to install roofs — crews, materials, trailers, and dump loads moving between jobsites all day. Auto claims are a top severity driver for contractors, and roofing fleets carry a few exposures all their own. Here’s what a well-built commercial auto program looks like for a roofer.
Ladder racks and loose loads: material and equipment coming off a truck on the highway is a classic roofer claim — load securement is a training topic, not an assumption. Trailers: your dump and equipment trailers need to be scheduled, and liability follows the truck pulling them, but physical damage on the trailer itself doesn’t exist unless it’s listed. Debris hauling: if you’re running loads to the landfill all day, disclose it — a dump truck rates differently than a pickup, and some operations edge into territory where additional regulatory requirements apply.
Picture the loaded trailer, the new hire driving, the missed MVR check, and the rear-end crash with injuries. That claim tests your limits, your driver file, and your umbrella all at once. Fleet discipline — maintenance records, driver standards, load procedures — is what keeps a road incident an insurance event instead of a company-ending one. And it’s another program underwriters pay you for having.
Questions about your coverage? I’ve spent more than 46 years helping Kansas City area businesses and families get insurance right. As an independent agent with access to over 50 markets, I work for you — not an insurance company. Call or text Jay Stoetzer at 816-384-7738, or email jay@insure247.com for a no-pressure review.