NAICS UNIVERSITY · Free research for insurance agents
Roofing Contractors
NAICS 238160 · United States · 2022 edition
This industry comprises establishments primarily engaged in roofing. This industry also includes establishments treating roofs (i.e., spraying, painting, or coating) and installing skylights. The work performed may include new work, additions, alterations, maintenance, and repairs.
Start the review with workers' compensation.
For Roofing Contractors, the saved research highlights workers' compensation, completed operations, premises/operations liability. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What is the split between residential and commercial roofing work, and what percentage involves structures above two stories?
- Does the operation include any storm-damage restoration or catastrophe-response work, and if so, what percentage of annual revenue does it represent?
- What roofing systems are installed — shingles, single-ply membrane, metal, torch-applied modified bitumen, hot asphalt, or others?
- How is labor structured — direct employees, subcontractors, or a combination — and do subs carry their own insurance?
- Are there any owned vehicles, trailers, or material-hauling equipment, and do employees ever use personal vehicles for job-related trips?
- Has the business received any declinations, non-renewals, or significant claims in the past three to five years?
- Are there any combined operations such as gutter installation, solar panel installation, or structural framing that could affect classification?
- Does the contractor work under any general contractor wrap-up or OCIP programs, and if so, how is sub-coverage coordinated?
Activities described by this code
- Painting, spraying, or coating, roof
- Sheet metal roofing installation
- Shake and shingle, roof, installation
- Skylight installation
Other activities to examine
- Installing roof trusses and sheathing attached to trusses: 238130 — Framing Contractors
- Installing downspouts, gutters, fascia, and soffits: 238170 — Siding Contractors;
- Installing solar panels: 238210 — Electrical Contractors and Other Wiring Installation Contractors
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Roofing contractors install, repair, replace, and maintain roofing systems on residential and commercial structures. Work typically involves tearing off existing roofing materials, installing underlayment, and applying shingles, tiles, metal panels, single-ply membranes, modified bitumen, or other roofing systems. Operations may also include skylight installation, roof coating and treatment, and sheet metal roofing work. Jobs range from small residential repairs to large-scale commercial re-roofing projects, and crews regularly work at height on ladders, scaffolding, and roof decks.
Questions to investigate
- What is the split between residential and commercial roofing work, and what percentage involves structures above two stories?
- Does the operation include any storm-damage restoration or catastrophe-response work, and if so, what percentage of annual revenue does it represent?
- What roofing systems are installed — shingles, single-ply membrane, metal, torch-applied modified bitumen, hot asphalt, or others?
- How is labor structured — direct employees, subcontractors, or a combination — and do subs carry their own insurance?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.