Insurance for Roofing Contractors

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  • Certificate of Insurance at the click of a mouse

  • Insurance plans tailored for roofing contractors

  • Easy online application that will get you started immediately

  • Build your roofing contractor business risk-free with the right insurance

Coverage Plans for All Your Needs

Companies categorized under this industry work mainly on roof related jobs such as roof treatment, spraying, coating, painting, and skylight installation. Roofing contractors can choose from a long list of insurance policies. Get a free quote today!


Essential coverage for your customers

General Liability (GL)

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  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


To operate as a roofing contratcor

General Liability (GL) + Commercial Auto

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All Basic plan benefits and:

  • Coverage against claims from 3rd party bodily injury and property damage
  • Physical damage protection with comprehensive and collision coverage


Get protected against employment-related issues

GL + Commercial Auto and Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related issues and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation


When you have specific requirements

Including Inland Marine, Property etc.

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We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

As a roofing contractor, you are relied upon by residents and other businesses for quality work, despite the storms or other dangerous events that may reverse the work you have done. With all the coverage you can have there is no need to worry about employee injuries, transport to job sites, oversights on the job or other mishaps, as your business and any potential legal fees will all be covered.

Act Now, Get Protected Easily, Quickly and Affordably

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Or call (646) 844-9933 anytime.

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Frequently Asked Questions

How much does Roofing Contractor Insurance cost?

Roofing insurance costs depend on the insurance carrier’s view of your services and the location of operations. Most carriers ask for loss runs and experience, whether you have employees, and copies of any safety policies in place to calculate a premium. Generally, it is hard to find General Liability coverage for less than $2,000/year for roofing work. Request a roofing insurance quote today by completing our online quote form.

Why do Roofing Contractors need insurance?

Companies categorized under this industry work mainly on roof related jobs such as roof treatment, spraying, coating, painting, and skylight installation. Homeowners and businesses look to roofing contractors to provide quality work and keep their building free of unwanted water. Without your services, many would be unable to repair or replace a damaged roof. As a roofing contractor, you work long hours year-round and demand for roofing services increases after severe storms and long winters. Roofing contractors insurance is vital to your business’s financial well-being. All it takes is one slip or minor oversight, and you can end up dealing with a lawsuit instead of creating an income.

What are risks Roofing Contractors could face?

Roofers face numerous risks every day. Take a look at some of the most costly:

  • Fall off the Roof: You work at great heights every day, and one misstep can send you or one of your employees falling to the ground. If you are injured and cannot complete the contract, the loss of income or costs to hire a subcontractor can be severe. If an employee injures themselves, you will need to pay for their medical expenses.
  • Project Error: Attention to detail is crucial to the safety of your customer and business success. If you forget to install flashing or don’t fit it properly and a leak causes electrical damage, rotting wood or other havoc, the customer can hold you responsible for the damages. If it is a business, they can also press charges for loss of business income if they can’t remain open.
  • Injury: If a nonemployee visits your job site and trips over shingles on the groundbreaking their ankle, your business is liable for the damages including medical expenses, lost income, and pain and anguish claims.
  • Falling Objects: It is common to slide the old shingles off the roof to the ground. If your aim is off or something else drops instead, you can break a window or damage a vehicle leaving you with a big bill to pay.

What does contractual exclusion mean for a roofing contractor?

Although your General Liability insurance offers broad protection for your business, it won't be able to cover every incident. For example, a contractor fails to place insurance on a building, and it's destroyed by a fire before its completion. The owner seeks payment from the contractor for the value of the building, claiming breach of contract for failing to secure insurance. Contractual Liability insurance covers the roofer from payment in this example.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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