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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
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for roofing professionals.
BEST FOR
- Accidents that injure clients
- Client property damage
- Damage to your building or its contents
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
Professional liability insurance
Professional liability insurance covers legal costs when a roofing company is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).
BEST FOR
- Accusations of negligence
- Failure to finish a project on time
- Undelivered services
Looking for different insurance coverage? See more policies.
How much does roofing insurance cost?
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
How do I get roofers' insurance?
It’s easy to get insurance coverage and surety bonds 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. Many states require proof of insurance to issue a roofing license. 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 the most affordable coverage that fits your roofing business, whether you work independently or hire employees.
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