Roofing Contractor Insurance

A roofer tiling the roof of a house
Choose from the nation's best insurance providers
Logos of Insureon's business insurance carrier partners

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.

Roofing contractor applying tile to the roof of a house.
Light bulb

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 icon

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).

  • Customer bodily injuries
  • Liability coverage for leaks in a new roof
  • Libel and other advertising injuries
Business owner’s policy icon

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.

  • Accidents that injure clients
  • Client property damage
  • Stolen or damaged business property
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.

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

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.

  • Legal fees from an auto accident
  • Medical bills in the event of an accident
  • Vehicle theft and vandalism
Contractor’s tools and equipment coverage icon

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.

  • Equipment less than five years old
  • Equipment that travels to job sites
  • Small tools
Professional liability insurance icon

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).

  • 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?

Construction contractor 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 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. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
Find insurance quotes for roofing businesses
Save money by comparing free quotes from top-rated insurers.