Is your coverage enough?
Pick your trade and state, then add your policy, a contract, or a quote — we read it line by line and score each coverage against what your state requires and what a contract demands, whichever is stricter, in plain English. We don’t issue quotes or certificates — just a plain read of the public record, not insurance advice.
This tool uses AI and can make mistakes — double-check anything important against your actual policy, and a licensed agent, before you rely on it.
| Requirements · must clear | |
|---|---|
| Coverage | In Oregonstate requires |
If a roofer falls from a height, or is otherwise hurt on the job. $5.3k–$21k/yr · typical <5-employee roofing company | RequiredFrom the first employee |
If you crash a truck hauling your crew, shingles, and tear-off debris to a job site. | Required if you drive$25k/$50k injury · $20k property Do you drive vehicles for the business? |
Some states require this bond to license your roofing work — it guarantees the public, not your business. | Required$20k–$55k bond |
If someone's hurt or their property's damaged by your work — including water getting in through a roof you finished after the crew has left. | Not required |
If the ladders, nail guns, and compressors that live on your truck and the job site are stolen, lost, or damaged. | Not required |
If you sell design input, consulting, or planning beyond the install, and a client says your advice cost them money. | Not required |
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