Licensing, Insurance & Bonding

Licensing, insurance, and bonding are the first three documents any responsible buyer — homeowner, HOA board, property manager, adjuster, or commercial procurement office — should ask a contractor to produce. We keep ours current, we provide them in writing on request, and we’ve put the summary on this page so you can see the scope of what’s in place before you ask.

State & Local Licensing

• Colorado — General contractor and trade licensing maintained across the Front Range jurisdictions we serve (Denver, Jefferson County, Adams County, Arapahoe County, Douglas County, Boulder County, and surrounding municipalities). License numbers available on request — Colorado is a jurisdiction-by-jurisdiction licensing state rather than a single statewide license, so we pull the right license for the city or county where your project sits.
• Kansas — Kansas state and Kansas City metro licensing maintained where required, including Wyandotte County, Johnson County, and Shawnee County (Topeka). License numbers available on request.
• Missouri — Municipal licensing maintained where required across the Missouri side of the Kansas City metro (Kansas City MO, Independence, Lee’s Summit, Blue Springs, and surrounding communities). Missouri does not issue a statewide contractor license, so like Colorado we pull the right license for the city where your project sits.
• Nebraska — Nebraska Department of Labor contractor registration on file statewide, plus municipal licensing where required in the Omaha metro (Omaha, Bellevue, Papillion, and surrounding communities). Registration and license numbers available on request.
• Wyoming — Municipal licensing maintained where required, including Cheyenne and Laramie County. Wyoming does not issue a statewide contractor license, so we pull the right license for the city where your project sits. License numbers available on request.

General Liability Insurance

• Coverage limits that meet HOA, multi-family, commercial, and institutional tender requirements. Most HOA and commercial specifications require $1M per occurrence / $2M aggregate minimums; we carry limits at or above those thresholds.
• Additional insured endorsement available on request for HOA, multi-family, and commercial clients who require it for their specific project.
• Certificate of insurance (COI) issued directly from our carrier to whatever certificate holder address you need, usually within one business day.

Workers’ Compensation

• Workers’ comp coverage on every crew member, in Colorado, Kansas, Missouri, Nebraska, and Wyoming. This protects you: if a crew member is injured on your property and a contractor doesn’t carry workers’ comp, liability can land on the property owner.
• EMR (Experience Modification Rate) available on request for commercial and institutional procurement files.
• Certificate of workers’ comp insurance issued directly from the carrier, included with the COI on request.

Bonding

• Project-specific bonding available for work that requires it — public projects, municipal work, some commercial jobs, and some larger HOA capital replacements.
• Bond types we can issue include performance bonds and payment bonds from our surety carrier, tailored to the project size and scope.
• Bond capacity and quotes for specific projects available on request; tell us the project size and the owner’s bonding requirements and we’ll come back with an issuance commitment.

Why This Matters to You

Three specific scenarios where a contractor’s licensing and insurance paperwork actually protects the customer:

• Injury on your property. If a crew member falls off the roof and the contractor doesn’t carry workers’ comp, the claim follows the property owner’s homeowner or commercial policy. Legitimate contractors carry workers’ comp; fly-by-night “storm chasers” often don’t.
• Damage during the work. A contractor’s general liability policy is what pays when a ladder goes through a skylight or a crew breaks an HVAC condenser during tear-off. Without liability coverage, you’re chasing a judgment in small claims court.
• Unlicensed work in a licensed jurisdiction. Most cities across our service area require permits for roof replacement. An unlicensed contractor can’t pull the permit legally, which means the work is technically unpermitted — a problem at resale and a problem if an adjuster discovers it mid-claim.

What to Ask Any Contractor Before You Sign

• What is your license number for the jurisdiction this project is in?
• Can you email me a current certificate of insurance listing your general liability and workers’ comp coverage?
• Can you add my HOA / property / company as additional insured for this specific job?
• Who pulls the building permit — you or me?
• If bonding is required, can you issue a performance and payment bond for this project?

If a contractor can’t answer those questions clearly and in writing, walk away. We can.

Request Documentation

Need a certificate of insurance, license numbers, a specific additional-insured endorsement, an EMR letter, or a bond commitment for a project you’re scoping with us? We turn most of these around within one business day.

Call 855 ROOF-001, email info [at] rooftechnologies.com, or use our contact form and mention what documentation you need. If you’re a property manager or commercial procurement office with a recurring requirement, we’ll set up standing COI issuance so you’re never waiting on paperwork.

Still have questions? Contact us