What insurance do roofing contractors need?

At minimum, general liability and workers compensation. Most also need commercial auto for work vehicles and tools & equipment coverage. Commercial projects often require umbrella liability and surety bonds.

How much does roofing contractor insurance cost?

A small residential roofing operation with no employees might pay $1,500-3,000/year for general liability. With employees and multiple vehicles, costs range from $5,000-15,000+ depending on payroll, revenue, and claims history.

Does general liability cover me if a roof leaks after I install it?

Yes, with completed operations coverage included. Standard general liability often only covers active job site incidents. We make sure your policy includes the completed operations endorsement.

Can you insure subcontractors I hire?

We require certificates of insurance from your subcontractors and can structure contingent coverage if they fail to properly insure their work. This protects you from gaps.

Roofing Contractors insurance coverage for businesses across Alabama, Georgia, Florida, Tennessee and Mississippi

Specialized Trade Coverage

Roofing Contractor Insurance

Roofing companies face unique risks including employee injuries from heights, liability claims from property damage, vehicle exposure on job sites, and expensive equipment protection. We help roofing contractors build customized insurance solutions that protect their business while staying competitive on every bid. From residential shingle crews to commercial flat roof operations, we understand the coverage you need.

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What Coverage May Include

Coverage For Roofing Contractors

Every policy we write for roofing contractors includes these core protections, customized to your specific operation.

General Liability Insurance

covers customer property damage and third-party injury claims from roofing work

Workers Compensation

required once you have employees; covers medical bills and lost wages from falls and job site injuries

Commercial Auto Insurance

covers work trucks, trailers, and vans transporting crews and materials to job sites

Tools & Equipment Coverage

protects nail guns, compressors, ladders, and specialty roofing tools on site and in transit

Builders Risk

covers structures under construction against weather, fire, and theft before project completion

Umbrella Liability

adds extra liability protection above your primary general liability limits for large commercial projects

The Independent Advantage

Why Roofing Contractors Choose Us

Roofing-Specific Expertise

We understand the unique exposures of steep-slope, flat, and metal roofing operations. We know the difference between residential and commercial coverage needs.

Fast Certificate Turnaround

General contractors and project owners need COIs fast. We email certificates within minutes so you never miss a bid deadline or job start date.

Completed Operations Coverage

Roofing claims often arise months after installation. We include completed operations protection so you are covered long after the job is done.

Ready to Get Covered?

We compare rates from 30+ A-rated carriers to find the best coverage at the most competitive price for your roofing contractors operation.

Call (205) 352-2335

Common Questions

Frequently Asked Questions

Get Roofing Contractor Insurance

Specialized coverage for roofing companies across Alabama, Georgia, Florida, Tennessee, Mississippi & Texas.

Call (205) 352-2335