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Roofing Insurance
Get specialized insurance for roofers
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Customized insurance for roofing contractors
Roofing comes with plenty of challenges like physical risks, extreme heights, complex installations, and unpredictable weather conditions. Insurance for roofing contractors helps protect your employees, equipment, customers, and reputation. With the right coverage, you can focus on your work knowing you're prepared for the unexpected.
What is roofing contractor insurance?
Roofing contractor insurance is business coverage designed for the risks that come with roofing work. It protects your company from liability related to injuries, property damage, and claims of faulty work. You can also get protection for tools, equipment, and vehicles. Whether you have one team or ten, the right insurance policy can keep you on track.
Start a quote online or talk to one of our insurance experts to find the right coverage for your roofing company.
Why roofing insurance is important
Roofing contractor insurance matters because it protects your business from the financial and legal risks that come with working at height and handling heavy materials. These jobs mean even small accidents or mistakes can lead to costly claims. Roofing insurance can help cover liability issues, employee injuries , professional errors , and stolen equipment.
Roofing business insurance is also important for getting contracts and building trust with clients. For example, a customer may want proof of coverage before you start work. With a Progressive Commercial policy, getting a certificate of insurance (COI) is easy.
Who needs roofers liability insurance?
If you work on roofs, you need the right protection. The following professions should consider roofing insurance:
- Roofing contractors and companies
- Subcontractors
- Self-employed roofers
- Construction firms
Whether you're a sole proprietor , part of an LLC , or building a startup , roofing insurance can help secure your company's future.
Types of business insurance for roofing companies
Roofing comes with many risks, including property damage and worker injuries. That's why roofing professionals typically need several kinds of insurance to stay protected. Review common coverage options to see what could be a good fit.
General liability (GL)
Coverage for third-party injury and property damage
General liability (GL)
Coverage for third-party injury and property damage
General liability is the most common type of insurance for roofing contractors, covering property damage, injuries, and issues related to completed projects. Because roofing is a high-risk trade, contractors usually need to purchase GL through the excess and surplus lines (E&S) market.
Example: A homeowner is injured by a falling tool while you're working on their roof. General liability insurance can help cover medical bills and legal expenses.
Business owners policy (BOP)
Liability and property protection in one package
Business owners policy (BOP)
Liability and property protection in one package
A business owners policy combines liability coverage with commercial property insurance. It can cover buildings and business personal property, as well as bodily injury and property damage you cause others. Explore our BOP coverage guide to learn more about these protections.
Example: The building where you keep your roofing equipment is damaged in a fire. A BOP can help cover the costs of repairing or replacing the building structure and its contents.
Commercial auto
Customizable protection for work vehicles
Commercial auto
Customizable protection for work vehicles
Commercial auto insurance protects your roofing business's vehicles, like pickups, utility trailers, and dump trucks. It helps pay for damages from accidents and provides liability protection if you injure someone or damage their property. Learn more about commercial auto insurance coverage and auto insurance minimums in your state.
Example: On the way to a job site, one of your employees rear-ends another vehicle. Commercial auto insurance can help cover the other driver's medical expenses, vehicle repair, and related liability claims.
Workers' compensation
Protects employees who get injured on the job
Workers' compensation
Protects employees who get injured on the job
Workers' comp insurance helps protect your team and your business by covering job-related injuries and illnesses. It pays for medical bills, rehabilitation costs, and a portion of lost wages. It also helps you stay compliant with legal requirements. See if workers' comp is required in your state.
Example: A worker falls off a ladder and breaks their leg while on the job. Workers' comp helps cover expenses and provides support while the employee recovers.
Professional liability
Protects against negligence and other errors
Professional liability
Protects against negligence and other errors
Professional liability insurance helps manage claims of negligence or mistakes related to your services. It can cover legal fees and damages if a client says your work caused them financial harm. Having this coverage supports your reputation and lets you focus on delivering quality work.
Example: You overlook a structural issue during a job and cause the client to lose money. If the owner files a lawsuit, professional liability could help with legal fees and settlements.
Cyber
Financial protection against digital threats
Cyber
Financial protection against digital threats
Cyber insurance is coverage for data breaches and cyber attacks. This insurance covers costs related to legal fees, data recovery efforts, and customer outreach. Learn more about cyber coverages and how much cyber insurance costs. It's a good fit for roofing companies that store client information and process transactions online.
Example: A hacker gains access to customer records, including contracts, addresses, and payment details. Cyber insurance can help cover notification costs, credit monitoring, and legal fees.
Tools and equipment coverage for roofing contractors
Since roofers move from job to job, it's important to protect their tools and equipment when they're on the go. This coverage pays to repair or replace covered items if they're lost, damaged, or stolen. Adding it to your general liability or BOP helps manage surprises and keeps your business on track.
How much does roofing insurance cost?
Roofing insurance cost depends on the size of your business, typical projects, and overall risk. For example, a smaller operation with just one truck and a few workers will typically have lower premiums than a roofing company with multiple teams and vehicles. These factors help determine the cost of your business insurance policy:
- Coverage selections
- Services
- Number of employees
- Location
- Tools and equipment value
- Claims history
Keep in mind, if your work requires E&S insurance, you'll probably pay more for liability coverage than other specialized contractors like a handyman. But this more expensive policy can help protect you from key risks.
You'll also need to factor in the cost of commercial auto insurance, which will depend on how many vehicles you have, how far you regularly drive, and your accident history.
Why choose Progressive Commercial for your roofing insurance
With Progressive Commercial, you get access to flexible coverage options, competitive rates, and exceptional service. Small businesses have relied on us to get the protection they need for over 50 years. Get started with an online quote or call us to talk to an agent.
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