Business Insurance for Roofers

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What kind of work do you do?
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Find the right insurance for your roofing business

A fall from a ladder or a homeowner who sues over property damage could bankrupt your small roofing company. Shield your business with roofing insurance that covers medical bills, legal fees, and more.

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Insureon helps roofing contractors compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do roofers need?

These policies cover common commercial and residential roofing risks.

General liability insurance icon

General liability insurance

This policy covers basic roofing risks, such as a customer injured by falling shingles. Bundle with property insurance for savings in a business owner’s policy (BOP).
  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

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

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This insurance for roofers helps pay for repair or replacement of shingle cutters, roofing knives, and other tools if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different insurance coverage? See more policies.

Why do roofing contractors and businesses need insurance?

Whether you’re a residential or commercial roofing professional, it’s likely you work at steep heights that place you and your employees at risk. Roofers' insurance can cover expenses related to bodily injury, property damage caused by falling debris, equipment theft, and more.

How much does insurance cost for roofers?

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Several factors will have an impact on insurance costs, including:

  • Roofing services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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