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Question DetailsAsked on 4/4/2012

Is it in the normal course of business to ask a roofing contractor to name me (customer) as additional insured in their insurance policies?

I asked a roofer to name me as an 'Additional Insured' in their General Liability and Workers Compensation policies. I was told that this is not a typical request. To me it makes sense to be named as an 'Additional Insured', as well as to be named and waived for liabilities in the contract and to have all this shown in the Certificate of Insurance. I know that roofing is a dangerous job and just want to protect myself from any legal problems. Am I over thinking this? Thanks in advance for any advice.

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Voted Best Answer

It really is not a problem. It is very common in commercial or when working as a sub contactor. We do it quite frequently for home owners.

Please bear in mind there may be a small fee like $15-100 or so to process the paper work, I know some insurance companies charge a fee for this.


Answered 8 years ago by ReliableAmericanRoof


I work as a general contractor and it's my policy to have any sub-contractors list me as an additional insured party on their certificates. My insurance company charges me $25 to list somebody else on my cert. The subcontractors usually charge me about $50 to have me listed on theirs.

The more professional contractors take care of this without issue. Some of the fly by nighters don't understand it and seem to have a hard time coming up with the cert.

To have a homeowner listed on the contractor's policy is a bit unusual. I guess that could help protect you if the contractor did damage to the neighbor's property or something like that.

If you really want to be listed, then I suggest you offer to pay for it, but insist that he do so if you won't be comfortable otherwise.

Answered 8 years ago by JGHamm

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