RESIDENTIAL & COMMERCIAL ROOFING · STORM RESTORATION · BUMBLE ROOFING FRANCHISOR, LLC
Bumble Roofing
FRANCHISE
INSURANCE
A crew member slips on a wet morning roof and falls two stories. The injury is serious. The hospital bills, the lost wages, and the lawsuit that follows are the most expensive single event a roofing business can face. The question is not whether you have insurance.
It is whether the policy in your file was built for the most dangerous trade in home services — or just built to pass a checklist.
Roofing carries the highest workers' compensation rates of any trade Rikor covers. The fall risk is real. The water damage that surfaces months after a job is real. Your franchise agreement sets a minimum that protects the brand. Whether it protects what you put into this business is a different question.
Bumble Roofing Franchisor, LLC sets that minimum. Meeting it lets you open. Knowing where it ends is how you keep the doors open after the first bad claim.
Bumble Roofing Franchisor, LLC — Delaware LLC
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COMPLIANCE REQUIREMENTS
A ROOFER WHO FALLS FROM A ROOF
TEAR-OFF DEBRIS HITS A NEIGHBOR
WATER INTRUSION AFTER A REPAIR
STORM WORK AND THE ADJUSTER
WHAT IT COSTS
BEYOND THE MINIMUM
FAQs
$1,000,000 per occurrence / $2,000,000 aggregate
GL MINIMUM
$1,000,000 each accident (plus hired & non-owned)
AUTO LIABILITY
$1,000,000 required / $2,000,000 recommended
UMBRELLA
$1,000,000 by accident / $1,000,000 by disease
WC / EMPLOYERS LIABILITY
5551 (Roofing) — highest-cost WC trade in home services
PRIMARY NCCI CODE
ON THIS PAGE
COMPLIANCE REQUIREMENTS
A ROOFER WHO FALLS FROM A ROOF
TEAR-OFF DEBRIS HITS A NEIGHBOR
WATER INTRUSION AFTER A REPAIR
STORM WORK AND THE ADJUSTER
WHAT IT COSTS
BEYOND THE MINIMUM
FAQs
COMPLETE INSURANCE PROGRAM
SUBCONTRACTOR CERTIFICATE COMPLIANCE ACROSS YOUR FRANCHISE
Roofing runs on subcontractors. Overflow crews, storm-season help, specialty installers — most franchisees use 1099 roofers at some point, and many of those subs try to opt out of workers' compensation as sole proprietors. That is exactly where the coverage gap hides.
A lapsed or missing subcontractor certificate stays invisible until a sub falls, causes damage, or shows up on your year-end audit. When that happens, the liability reverts to you, or the carrier adds the sub's pay to your payroll and bills you for it. The work was done. The exposure was real. The coverage was not there.
Rikor's subcontractor compliance monitoring tool tracks subcontractor certificates in real time. When one lapses, you know before the next roof — not after the claim or the audit bill arrives.
FRANCHISEE QUESTIONS
FREQUENTLY ASKED QUESTIONS
What a complete Bumble Roofing franchise insurance program looks like
A properly built Bumble Roofing program starts with the agreement's minimums and then closes the gaps the most dangerous trade in home services leaves open.
The compliance requirement gives you the frame: $1,000,000 general liability, $1,000,000 auto with hired and non-owned, statutory workers' compensation with $1,000,000 employers liability, business personal property and business interruption — with both Bumble Roofing Franchisor, LLC and Outdoor Living Brands Holdco, LLC named as additional insureds, primary and non-contributory, with a waiver of subrogation. Meeting that lets you open.
The protection lives in the upgrades. Raise the umbrella to at least $2,000,000 — the FDD recommends it — and make it follow form over workers' compensation, general liability, and auto, because a fall or a whole-house water loss can run past $1,000,000. Confirm your general liability is occurrence form with completed-operations coverage in force, the part that answers a leak that surfaces months later. Add contractors E&O for storm work, cyber at $250,000, and inland marine sized to your real equipment value.
Above all, respect what roofing actually is. The fall, the water intrusion, the tear-off, the storm-claim dispute — these are not edge cases. They are the trade. A complete program, named to your entity and built for that severity, is what keeps a single bad claim from ending the business you built.
SUBCONTRACTOR RISK
A LAPSED SUB CERTIFICATE IS INVISIBLE
UNTIL YOUR CARRIER FINDS IT
Most home service franchisees use independent contractors or 1099 workers at some point. The coverage gap this creates is not obvious until a claim surfaces. When a certificate lapses, your carrier invokes the subcontractor exclusion in your general liability policy. The work was done. The damage is real. The coverage is not there.
Rikor's subcontractor compliance monitoring tool tracks subcontractor certificates in real time. When a certificate lapses, you know before the next job starts — not after the claim comes in.
WADE MILLWARD, CIC
Founder & CEO · Rikor Insurance
Wade Millward has spent 18 years specializing in franchise insurance. He holds the Certified Insurance Counselor (CIC) designation and has reviewed hundreds of franchise disclosure documents across home service, food service, and commercial franchise verticals. He has built coverage programs for Authority Brands franchisees across electrical, HVAC, plumbing, and restoration trades.