Business Insurance for Roofers

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Why do roofing contractors and businesses need insurance?

A fall from a ladder or a lawsuit from a homeowner could bankrupt your small roofing company. Shield your business with policies that prevent financial losses and fulfill insurance requirements.

Get the right coverage

Insureon helps roofing businesses find insurance policies that match your unique risks and keep you in compliance with local laws.

Compare quotes from top-rated carriers with one easy online application. Get free advice from licensed insurance agents and peace of mind knowing you have the right coverage.

What types of business insurance do roofers need?

These policies provide the best coverage for common roofing risks.

General liability insurance

This policy covers basic third-party risks, such as a person injured by a dropped tool. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).

BEST FOR

Customer bodily injuries
Liability coverage for leaks in a new roof
Libel and other advertising injuries

Workers’ compensation insurance

Workers’ comp is required in almost every state for roofing businesses, whether or not they have employees. It helps cover work injury costs that health insurance might deny.

BEST FOR

Work-related medical expenses
Missed wages
Employee injury lawsuits

Commercial auto insurance

This insurance covers third-party injuries and property damage caused by roofing company vehicles, as well as repairs to vehicles damaged by weather or vandalism.

BEST FOR

Legal fees from an auto accident
Medical bills in the event of an accident
Vehicle theft and vandalism

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of shingle cutters, roofing knives, and other tools if they are lost, stolen, or damaged. It's also called equipment floater insurance.

BEST FOR

Equipment less than five years old
Equipment that travels to job sites
Small tools

Looking for different insurance coverage? See more policies.

How much does roofing insurance cost?

Man in construction vest and helmet calculating insurance costs.

A roofing contractor who works alone will pay less for insurance than a small business with several employees.

Factors that affect the cost of roofing business insurance include:

Services offered, such as residential or commercial roofing
Business equipment and property
Business size and revenue
Types of insurance purchased
Policy limits and deductibles

View Costs

How do I get roofers' insurance?

It’s easy to get insurance coverage as a roofing contractor or company if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

Complete a free online application
Compare insurance quotes and choose policies
Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your roofing business, whether you work independently or hire employees.

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant