Siding Contractor Insurance Coverage Checklist
The coverages a siding contractor business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for siding contractors. Priorities reflect typical exposure; confirm against stucco, EIFS, and multifamily work.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability (incl. Products-Completed Operations) | Covers injuries and damage during work and after it's finished. | Core | |
| Contractors Pollution Liability | Covers lead, asbestos, and mold claims the GL pollution exclusion leaves out. | Prevalent | |
| Workers' Compensation | Required in most states — falls drive the most serious claims. | Core | |
| Commercial Auto | Covers work vans and trucks. | Core | |
| Tools & Equipment / Inland Marine | Covers tools and equipment on job sites and in transit. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is water-intrusion and mold coverage. Siding claims often surface years later when water behind the cladding rots walls, and many policies exclude or limit mold — while stucco and EIFS carry some of the highest claim rates. Contractors should confirm completed-operations and mold coverage, install barriers and flashing to spec, and photograph walls before they're covered.
Send us the checklist and we'll review your siding contractor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Siding Contractor Insurance · Siding Contractor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a siding contractor business need?
The core coverages for a siding contractor business are Commercial General Liability (incl. Products-Completed Operations), Workers' Compensation, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my siding contractor coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.