Specialty CGL Program · Hot Roofing
One of the longest-standing hot roofing CGL programs in Canada. Standard markets close the door on torch-down, BUR, modified bitumen, and hot-mop work — we’ve been writing it for decades, with broad in-house underwriting authority and A-rated Canadian paper.
The Problem
Insurers know what one bad fire loss looks like on a hot roofing CGL portfolio. The result: blanket roofing restrictions, hot-work exclusions added to standard CGL wording, or accounts non-renewed entirely — even on profitable operations with clean loss histories. Brokers chasing hot roofing CGL in Canada often hit the same wall, account after account.
Most standard CGL wordings restrict or exclude torch-down, hot-mop, and built-up roofing operations.
The few markets that do quote often non-renew after a single loss, leaving brokers without a backup.
Hot roofing belongs with an MGA that understands the work — not a general-appetite carrier.
The Chutter Program
Chutter operates one of the longest-standing hot roofing insurance programs in Canada. We’ve been quoting torch-down, built-up (BUR), modified bitumen, and hot-mop roofing contractors for decades — through hard markets and soft — with broad in-house authority and Canadian-licensed A-rated paper.
Pair the CGL with excess and umbrella for layered programs — under the same roof.
What we write
If it involves open flame or hot materials on the roof, we’ve probably written it. Methods our underwriters are comfortable with:
Final eligibility, limits, and pricing are subject to underwriting and the terms of the issued policy.
What we need to quote
A complete submission gets a faster, sharper quote. The more we know up front, the less back-and-forth.
Send completed applications to
Why place it with Chutter
One of the longest-standing hot roofing CGL programs in Canada. We’ve underwritten the work through multiple market cycles.
The desk handling your file can quote it. Broad authority means real answers, fast — not a portal-driven yes / no.
Licensed Canadian capacity from A-rated insurers, backing every risk we write.
Stand-alone and follow-form excess available for layered programs on larger operations.
Brokers in every province except Quebec — coast to coast, one MGA.
30 years of independent ownership. Renewals don’t evaporate after a loss — we work with you.
FAQ
Hot roofing covers any roofing method involving open flame or hot materials on the roof — torch-down membrane (modified bitumen), built-up roofing (BUR) with hot asphalt, and hot-mop applications. Because of the fire risk, most standard commercial general liability markets restrict or exclude hot work entirely, leaving brokers without a clear placement option.
Yes. Chutter operates one of the longest-standing hot roofing insurance programs in Canada. We write Commercial General Liability for torch-down, built-up (BUR), modified bitumen, and hot-mop roofing contractors with broad in-house underwriting authority.
We typically need a completed Roofing Contractors application, a breakdown of revenue by roofing method (hot work vs. cold), five years of loss runs, details on fire-watch and torch-safety protocols, subcontractor controls, and the operation’s geographic footprint.
Chutter writes commercial insurance for brokers across Canada except Quebec — including British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, and the Atlantic provinces.
Yes. Chutter writes stand-alone and follow-form excess and umbrella over commercial casualty placements, including layered programs for larger hot roofing operations.
Send it to the casualty team and we’ll come back fast with a real answer. Email the desk, download the application, or submit through the contact form.