Roofer Insurance
Roofing is one of the highest-risk trades in construction. Falls, weather damage, and material costs make proper insurance coverage essential. We work with carriers that specialize in roofing risks to get you the best rates available.
Coverages we place
- General liability with completed operations for roof leaks and damage
- Workers' comp for fall injuries and heat-related illness
- Commercial auto for trucks carrying ladders, materials, and equipment
- Tools & equipment including scaffolding and safety gear
- Builder's risk for re-roofing projects
- Umbrella liability for large residential and commercial contracts
- Surety bonds for commercial and government projects
- Business income for weather-related work stoppages
Who needs this coverage
Roofing contractors, re-roofing companies, roof repair specialists, gutter installers, and waterproofing contractors.
What drives your premium
- Type of roofing (steep slope, flat, commercial, residential)
- Building height — two stories+ increases premiums significantly
- Annual payroll and number of workers
- Safety programs and fall protection compliance
- Claims history — roofers typically have higher loss rates
Common exclusions
- Work on buildings over specific height limits (varies by carrier)
- Use of torch-applied roofing without proper endorsement
- Asbestos removal or abatement
- Work performed by unlicensed workers
- Intentional building code violations
Frequently asked questions
Why is roofing insurance so expensive?
Roofing has the highest workers' comp rates of any trade due to fall risk. GL rates are also high because roof leaks can cause extensive interior damage. Clean safety records and OSHA compliance help reduce costs.
Can new roofing companies get insurance?
Yes, but expect higher premiums in your first 2-3 years. We work with carriers that accept new ventures and can structure your program to build credibility quickly.
Do I need separate coverage for each roof type?
Your GL policy covers all roof types you're licensed for, but some carriers exclude or surcharge specific operations like hot tar or torch-applied roofing. We'll match your operations to the right carrier.
Related coverage
Get a free quote or call (321) 206-8035.