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Roofer's Insurance Coverage

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Progressive CNA The Hartford Travelers Hanover

Roofing Insurance Quotes Include:


  Additional Insured Included:   YES
  Free Certificates:   YES
  Payment Options:   YES     (Pay in Full OR Payment Plans)
  Low Down Payments:   YES     (Flexible Payment Options)
  Coverage Limit Minimum: 


  $2,000,000 / $2,000,000 / $1,000,000


With the evolution of the internet and more and more people using services like Angie’s List, the roofing contractor business has evolved as well. As a roofing contractor, you can now expect to be asked to provide proof of insurance coverage. Roofing is not only dangerous but opens the door to any number of risk exposures in performing the work. Let’s review some of the risks and what is necessary for roofers insurance.

General liability insurance is the first step in protecting your roofing contractors business. Say that you tarp a roof but wind lifts it and a leak develops causing interior damage, this coverage would cover that claim. Perhaps a ladder falls and damages a car parked in the driveway or breaks a window, your general liability coverage would protect you. 

Worse, perhaps some material or a tool falls off the roof and injures a third party below. In this case, you may be facing a lawsuit and huge medical and court costs. General liability coverage will cover the legal costs and if necessary, any awards of damage up to the policy limit.

If your business has a showroom or storage facility you work from, you will need property insurance.  Often, you can combine your business property insurance and general liability coverage into a policy known as a business owner’s policy, or BOP.

If you hire employees, you need to put workers' compensation in place. Should an employee get hurt, this protects them with replacing income and paying medical costs while helping protect you against a lawsuit by the employee.

Don’t climb that ladder alone; use a licensed agent to help you determine your roofer's insurance coverage. Work with a professional to determine what coverage makes the most sense and is affordable for your roofing contractor business.