What is Roofer Insurance?
Roofer insurance is a specialized form of coverage designed to protect roofing contractors from the unique risks they face on the job. Due to the high-risk nature of roofing work—such as working at heights, handling heavy materials, and using power equipment—standard general liability insurance may not be sufficient. Roofer insurance bundles various protections to address job-site hazards, equipment damage, and liability exposures.
Who Needs It
This type of insurance is essential for roofing contractors, subcontractors, and companies that perform residential or commercial roofing work. Whether you operate a small local business or manage a team of employees, roofer insurance helps safeguard your operations and supports compliance with client and regulatory requirements.
What It Typically Covers
Roofer insurance policies generally include:
- General liability coverage – For third-party injuries or property damage, such as a falling tool damaging a vehicle below.
- Commercial auto coverage – For vehicles used to transport roofing materials and equipment.
- Workers’ compensation – To cover employee injuries sustained on the job.
- Equipment coverage – To protect against loss, theft, or damage to roofing tools and machinery.
- Property coverage – For office or storage facilities used by your business.
Some policies may also include or offer endorsements for participant accident coverage if your team participates in training sessions or industry demonstrations.
Common Exclusions or Limitations
Standard roofer insurance may exclude certain high-risk activities, such as hot tar roofing or work on high-rise buildings, unless specifically underwritten. Other exclusions can include intentional acts, faulty workmanship, or equipment wear and tear. Always review policy wording carefully to understand what is and isn't covered.
Factors That Influence Cost
Several underwriting factors impact the cost of roofer insurance:
- Company size and number of employees
- Annual revenue and payroll
- Types of roofing services offered
- Past claims history
- Coverage limits and deductibles
For example, a contractor specializing in residential asphalt shingle repairs will likely pay less than a company installing commercial flat roofs using open flame techniques.
Proof of Insurance & Compliance
Many clients, including homeowners and commercial property managers, require proof of insurance before work begins. A certificate of insurance (COI) demonstrates that your business carries the necessary coverage. Additionally, some states and municipalities may require specific types of insurance for contractor licensing or permitting.
How to Get a Quote
To get the right roofer insurance, work with a provider experienced in contractor risks and industry-specific exposures. They can help tailor a policy based on your operations and ensure you meet all coverage requirements. Start your quote today through our quick online process.
For a deeper look into the risks and red flags in the roofing industry, check out Understanding Roofing and Insurance Scams. Contractors can also explore the Roofing Contractors coverage options available from specialist providers.
Frequently Asked Questions
Is roofer insurance required by law?
Requirements vary by state and project type. However, many clients and municipalities mandate proof of insurance before work begins.
What happens if my tools are stolen from a job site?
If your policy includes equipment coverage, you may be reimbursed for stolen tools, subject to your deductible and policy limits.
Does roofer insurance cover subcontractors?
Not always. You may need to add subcontractors to your policy or verify that they carry their own insurance to ensure proper protection.
Can I get coverage for commercial and residential roofing under one policy?
Yes, many policies can be tailored to cover both types of work, depending on your business operations and risk profile.
How soon can I get a certificate of insurance?
Once your policy is issued, most insurers can provide a certificate within one business day, sometimes instantly through online portals.
Still have questions? Talk to a local insurance expert.