Roofing · Southern Maryland, MD
Waterfront and near-waterfront properties in Calvert, Charles, and St. Mary's counties carry real wind exposure without the coastal pricing of the Shore. Crews here often run long drive times, which shows up on the commercial auto side.
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Free Tool
At audit time, the auditor compares the payroll you estimated to the payroll you actually paid. Any sub who can’t produce a certificate for the work they did can end up on your bill instead of theirs. Answer a handful of questions about your crews, your subs, and your payroll, and see where you stand before the audit does. Built for roofing contractors who run 1099 crews.
Free. Takes about 90 seconds. No quote unless you ask.
Areas Covered
If your crews work anywhere in this part of Maryland, an independent agent can quote you — including jobs that cross into neighboring regions.
Free Kit
Your workers’ comp bill started as an estimate — the year-end audit trues it up against real payroll. The MD Contractor’s Audit Defense Kit is six free tools for Maryland contractors — including a Chargeback Risk Score you can run in under 90 seconds. Yours to keep, and no quote unless you ask.
Coverage Types
A complete program is usually six policies working together, not one general liability certificate.
Third-party bodily injury and property damage — including water intrusion during tear-off. Also the policy GCs are looking at when they ask for additional insured and primary & non-contributory endorsements.
Medical bills and lost wages for injured crew. The largest line item on most roofing programs, and the one where safety documentation and your experience mod move the price the most.
Trucks, trailers, and dump runs — plus hired and non-owned auto for crews driving personal vehicles between jobs.
Covers tools, compressors, and equipment on the job, in transit, and in the truck overnight — where they actually get stolen or damaged.
Covers shingles, membrane, and materials you've staged or partially installed but haven't handed over yet. Most GL policies won't touch them.
Sits above GL and auto. Commercial GCs and property managers routinely require $2M–$5M in total limits before you can start work.
Common Questions
For residential home improvement work, generally yes — and the MHIC wants to see insurance in place. Commercial work is treated differently, and local jurisdictions may layer on their own permits. Your agent can tell you what limits the license and your contracts require.
Maryland generally requires coverage starting at one employee, and construction is not a place where carriers or the state are flexible. Even where you might qualify for an exemption, most GCs and property managers will require coverage by contract.
There's no honest flat answer — roofing premiums are driven by payroll, your split of residential versus commercial work, height and hot-work restrictions, the states you operate in, and your claims history. Two roofers with the same revenue can be priced very differently. The fastest way to a real number is a licensed agent running your payroll and loss runs through several carriers at once.
Generally no. General liability covers damage you do to someone else's property or person. Tools, compressors, ladders, and staged materials are covered by inland marine (tools and equipment) and an installation floater. This is one of the most common gaps we see on roofing policies.
Related:Coverage Gap Assessment →
It depends on the state, and roofing is often treated more strictly than other trades because it's classified as construction. Some states require coverage at the first employee, others at three or more, and general contractors usually require it by contract regardless of the legal threshold. Check your state's page for specifics and confirm with a licensed agent.
Tell us about your business and an independent agent licensed in Maryland will reach out within one business day.
Nearby
Crews rarely stay inside one region. The Maryland page has the licensing and workers' comp detail that applies statewide; the rest are the regions next to this one.
Other Trades
Plenty of shops run more than one trade. Here's Southern Maryland for the rest of what we cover.