What This Means For You

This free tool takes the guesswork out of understanding your cost of risk audit. Instead of trying to piece together information from multiple sources or waiting for a broker callback, you can get clear numbers in about two minutes.

Enter your information below — no account needed, no email required. The results will give you a solid starting point for making informed decisions about your benefits strategy.

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Roofing Solutions

Is Your Insurance Program Costing You More Than It Should?

Get a complimentary Cost of Risk Audit — a 45-minute financial health check of your entire roofing coverage program.

Request Your Free Audit
What's Included: 10-Point Review
Our audit covers every aspect of your coverage program — from workers' comp rates to subcontractor risk transfer.
01

Workers' Comp Rate Analysis

Are you in the right class codes? Is your EMR accurate? We verify the NCCI worksheet line by line — errors here cost thousands.

02

General Liability Adequacy

Do your limits meet current GC requirements? With trends pushing to $3M/$5M aggregate, many roofers are underinsured without knowing it.

03

Completed Operations Coverage

Are you covered after the job is done? Roof leaks discovered 2 years later still come back to you. We check for gaps in your completed ops coverage.

04

Commercial Auto Review

Is your fleet properly scheduled? Hired and non-owned auto gaps are one of the most common exposures we find in roofing programs.

05

Inland Marine / Equipment

Tools and equipment on job sites are vulnerable to theft, damage, and weather. We verify your inland marine coverage matches your actual equipment value.

06

Umbrella / Excess Review

Are your umbrella limits sufficient for your contract requirements? One serious claim can exceed primary limits. We ensure your excess layer is adequate.

07

Subcontractor Risk Transfer

Are your subs actually protecting you? We review your sub agreements, COI requirements, and additional insured endorsements for gaps.

08

EMR Trajectory Analysis

Where is your experience mod heading and why? We project your next EMR based on current open claims and show you how to change the trajectory.

09

Claims Management Review

Are open claims being managed to minimize EMR impact? We review every open claim for settlement strategy, reserve accuracy, and closure timeline.

10

Coverage Gap Identification

What's missing that could put your business at serious financial risk? We identify uninsured exposures most roofing contractors don't know they have.

$15K-$75K
Potential savings or risk gaps
uncovered in most audits
70%
Close rate on
quoted business
6
Funding strategies modeled —
most brokers know 2

Request Your Free Audit

Fill out the form below and we'll schedule your complimentary 45-minute Cost of Risk review.

Audit Request Received

We'll be in touch within 1 business day to schedule your complimentary Cost of Risk review. In the meantime, check your email for a confirmation.

Getting Started — Your Next Steps

Common Questions

Is this cost of risk audit really free?
Yes, completely free with no strings attached. You do not need to create an account, provide an email address, or speak with anyone. The tool runs entirely in your browser and gives you results immediately.
How accurate are these estimates?
The calculations use industry-standard data and published rate tables, so they provide a reliable directional estimate. Your actual costs will depend on your specific situation, location, and the providers you work with. We recommend using these numbers as a starting point for getting real quotes.
What should I do with these results?
Use them as a baseline for informed conversations with brokers, PEOs, or insurance providers. Having these numbers before you talk to a salesperson puts you in a much stronger negotiating position and helps you evaluate whether the proposals you receive are competitive.