Roofing insurance is commercial coverage that pays for third-party injury, property damage, and the legal costs that follow an incident on a roofing job.
Contractors Liability offers $1 million per occurrence and $2 million aggregate general liability policies to roofing contractors in all 50 states through five carriers. In the nine states priced below, annual premiums run from $2,900 to $4,572.
Roofing is one of the highest-hazard trades in construction, and a single incident can cost more than a season’s worth of work. General liability insurance covers third-party injury, property damage, and resulting legal costs.
According to the Occupational Safety and Health Administration (OSHA), roofing contractors face a higher risk of workplace injuries than all other professions due to working at heights, extreme weather, and physical demands.
If you don’t have the right insurance, a job-related accident could result in medical bills and legal action that could shut your business down.
When you get roofer contractor insurance, you look out for your business, workers, and customers.
Only 5 minutes of your valuable time. We can often get same-day coverage.
As a roofer, you need the right insurance to cover all aspects of your work. Here’s a breakdown of the main coverages we offer for roofers:
General liability insurance protects your business against lawsuits if someone suffers an injury or property damage occurs while you’re working.
For example, if a person passing by gets hurt at your job site or your equipment damages a neighbor’s house, this coverage pays for medical bills, repairs, and legal fees if needed.
This is vital to prevent costly lawsuits that can harm your business.
Every roofing business is unique, with its own risks, operations, and needs. That’s why we offer custom insurance plans that fit your business.
Roofing companies can choose coverage based on their business size and the work they do. Policies can include additional insureds and coverage for high-risk projects, specific tools, and materials.
We work with you to understand your business and create an insurance package that provides the right level of coverage without making you pay extra for coverage you don’t need.
Roofers face daily hazards like falls, tool injuries, and exposure to hazardous materials. Workers’ compensation insurance ensures that if a work-related accident happens, it covers your employees’ medical expenses and lost wages. This protects your staff and helps you comply with state regulations.
With workers’ compensation, you can support your employees and protect your business from lawsuits and workplace incidents.
Roofing businesses often use vehicles to transport materials, tools, and workers to job sites. Commercial auto insurance covers vehicles used for business purposes.
It covers damages from accidents, theft, or other incidents involving your company’s vehicles.
Your tools and gear are the backbone of your roofing business and a big investment. From nail guns and ladders to heavy machinery, equipment coverage protects them.
Equipment insurance covers your tools against theft, damage, or loss so you can replace or fix equipment and keep your business running smoothly.
General liability for roofers does not cover and pay for everything.
Exact exclusions vary by carrier and policy form, so ask which apply before you bind coverage.
Talk to a real agent, not a voicemail. Certificates of insurance in under 4 hours, with bilingual support every day of the year.
This table displays typical annual premiums for a roofer’s general liability policy with $1 million per occurrence and $2 million aggregate limits. The rates show how pricing can vary by state and carrier for similar coverage.
State
Annual premiums include unlimited certificates of insurance. Rates are based on $50,000 to $100,000 in annual revenue and 10% of revenue paid to subcontractors. Final premiums depend on carrier underwriting, and financing charges may apply.
In only 5 minutes of your valuable time. We can often get same-day coverage.
When you choose us to handle your roofing insurance, you will get a range of perks tailored to your business needs. Here’s what you get when you team up with us:
We provide general liability insurance from top-rated insurers such as USLI, Tokio Marine, Shield, BTIS, Rockingham, TAPCO, Clear Spring, HISCOX, and ISC (with choices like Sutton, Obsidian, and Third Coast). This allows us to compare rates and identify the most competitive rate for your company.
Our general liability coverage ranges from $2,900 to $4,572, enabling us to offer cost-effective protection regardless of your business location.
Check out our state-by-state guides that tell you all about the insurance policies roofers need in each state. Keep yourself informed and follow the rules by learning the special insurance laws and suggestions for every area.
Knowing these rules lets you keep your business safe and prosperous, no matter where you work.
Our team works with many top insurance companies to offer custom-made options. This allows our experts to give you the best advice for your specific needs.
We ensure you have full coverage, from liability to workers’ compensation.
In the roofing business, time matters a lot. We partner with insurers who handle claims. This helps you get the help you need fast, so your work doesn’t stop for long if you have an accident, lose equipment, or face damage.
We aim to keep your business running above all else.
Roofing jobs can be tough on your wallet, and money can come and go. That’s why we give you different ways to pay. This way, you can stay insured without worrying about tight money deadlines.
You can pay every three months or once a year – we’ll make a plan that works for you.
Explore our selection of statewise articles that provide general information on the policies required for roofing contractors in each state. Stay updated and compliant by familiarizing yourself with the diverse insurance requirements and suggestions, ensuring the security and success of your business across different regions.
However, ContractorsLiability.com recommends that any general costs presented in a quote should be thoroughly reviewed, as customized plans will always vary.
Standard roofing general liability insurance policies start around $2,000 annually.
We want you to feel as though your insurance requirements are being met, so contact us today for a free roofing insurance quote that takes into account your business’s specific needs, as well as more information about your customized insurance plan. The common factors that insurance companies use to determine roofers insurance costs are:
Roofing work can involve risks that standard general liability coverage may not address. Specialized endorsements can add coverage for situations specific to roofing work, such as damage caused by weather when a roof is left open. Additional coverage may be available for roofing operations that involve torch-down roofing, which uses a torch to apply roofing materials.
The right endorsements depend on the type of roofing work you perform and the risks your policy needs to address. A tailored policy is the safest and most accurate coverage for roofers and contractors. Contractorsliability.com can help you identify coverage that applies to your specific operations.
Protect your roofing business today! Contact us for a free consultation and receive a customized insurance quote tailored to your specific needs. Don’t wait until something goes wrong — ensure your business is protected with the right coverage.
The following are common questions about Roofers Insurance.
Roofing insurance is specialized liability insurance that provides custom coverage for accidents that often require coverage legally. Even in states that do not require liability insurance, it is important to consider having roofers’ insurance to protect your company in the instance of an accident.
Unfortunately, no. Roofers’ insurance only covers third parties, like your client or visitors to the worksite. Workers’ compensation insurance is responsible for covering your employees. However, this should be no deterrent to purchasing roofers’ insurance, as it can protect your company from serious lawsuits and, in many cases, is required by law. Learn more with our Guide To Workers Compensation Insurance For Roofers.
Roofers’ insurance covers you and your company when punitive damages (penalties against your business), compensatory damages (financial losses), and general damages occur. These are very general terms for a variety of claims that are covered under the umbrella of roofers’ liability insurance.
There are many insurance agencies out there, and you might be tempted to go with the one you see consistently advertised on the television or even one that is closer to home. However, Contractors Liability is certain that if you want the best policy, you need to work with specialized agents like ours. Along with our customer satisfaction guarantee, we:
Just read and in 30 minutes you will know everything about insurance.
