Compare Roofing Contractors Insurance — Simple, Affordable Coverage for Contractors
Protect your team and projects with policies built for shingle, tile, metal, flat/low‑slope, TPO/PVC, EPDM, BUR, torch‑down, spray foam, gutters, and repairs. Fast quotes. Nationwide coverage. Job‑ready COIs.
What Is Roofing Contractors Insurance?
Roofing insurance bundles the core policies needed by residential and commercial roofers. It protects against third‑party injuries and property damage, employee accidents, stolen tools, vehicle accidents, and materials at risk before installation. Roofing involves unique hazards like height, hot work/torch‑down, wind exposure, and overspray/fumes — your coverage should reflect those realities and your contract specs.
Most GCs and owners require General Liability and Workers’ Compensation (if you have employees). Depending on operations, you may also need Commercial Auto, Tools & Equipment (Inland Marine), an Installation Floater, Umbrella limits for larger jobs, Contractors Pollution Liability for fumes/overspray, and Bonds.
Core Coverages for Roofing Contractors
General Liability Insurance
Protects against third‑party claims of bodily injury, property damage, and personal/advertising injury — e.g., a falling tool cracks a skylight, overspray damages siding, debris injures a passerby.
- Typical limits: $1M per occurrence / $2M aggregate (higher available)
- Common endorsements: Additional Insured, Primary & Non‑Contributory, Waiver of Subrogation
- Consider add‑ons: Contractors E&O, Open Roof & Hot Work/Torch endorsements where applicable
Workers’ Compensation
Covers employee injuries and illnesses (falls, heat stress, strains). Required in most states and closely monitored by GCs and municipalities.
- Benefits: medical, wage replacement, employer liability
- Owner/officer exclusions available in many states
- Experience mod support & audit help
Inland Marine (Tools & Equipment)
Protects mobile tools anywhere they go — nailers, compressors, tear‑off tools, ladders, harnesses, sprayers — against theft, fire, and more at jobsites, in transit, or in storage.
- Scheduled & blanket options; rented/leased equipment available
- Theft from vehicles & jobsites
- Low deductibles, fast claims handling
Commercial Auto
Covers business‑owned vehicles (pickups, box/dump trucks) for liability and physical damage. Add Hired & Non‑Owned Auto for employee errands.
- Meets state & contract requirements
- Fleet and single‑unit options
- Certificates issued fast
Installation Floater
Covers materials you own (shingles, membrane, fasteners, insulation, flashing) from purchase through transit and staging until installed.
- Great for staged materials on multi‑day projects
- Often paired with Inland Marine
- Limits tailored to project size
Umbrella / Excess Liability
Provides extra limits over GL, Auto, and Employers Liability — frequently required for commercial and municipal work.
- Limits typically $1M–$10M+
- Meets stringent spec requirements
Contractors Pollution Liability
Addresses allegations from fumes, overspray, or contaminants related to roofing work (adhesives, coatings). Often requested on occupied buildings and schools.
- Project‑specific or practice policies
- Can include mold/bacteria where available
License, Bid & Performance Bonds
Meet licensing rules and bid/performance obligations. Bonds help you qualify for public and larger private work.
- Fast approvals for qualified contractors
- Competitive rates; multi‑year options
What Does Roofing Insurance Cover? (At a Glance)
| Risk | Example Scenario | Coverage That Helps |
|---|---|---|
| Property damage to a client | Overspray stains siding; falling debris cracks a skylight | General Liability (Property Damage), Contractors E&O |
| Injury to a third party | Pedestrian injured by blown‑off debris during tear‑off | General Liability (Bodily Injury), Medical Payments |
| Employee injury | Fall from roof; heat illness on summer job | Workers’ Compensation |
| Stolen or damaged tools | Compressors and nailers stolen from trailer overnight | Inland Marine (Tools & Equipment) |
| Materials at risk before installation | Membrane and insulation damaged by wind/rain before install | Installation Floater |
| Auto accident | Truck involved in collision en route to jobsite | Commercial Auto (Liability & Physical Damage) |
| Large contract requirements | Hospital project requires $5M limits | Umbrella / Excess Liability |
| Fume/overspray allegations | Complaint from occupants about adhesive fumes | Contractors Pollution Liability (when endorsed) |
| Hot work / open roof claims | Water intrusion during tear‑off; torch‑down scorch claim | GL with Open Roof & Hot Work endorsements (where available) |
Coverage varies by carrier and state. We tailor policies to your operations and contract requirements.
How Much Does Roofing Insurance Cost?
Pricing depends on location, payroll/revenue, height of work, roof types (steep/flat), hot work/torch use, claims history, and safety controls. Many small roofers start with General Liability for about $1,200–$5,000/year and add policies as they grow. Bundling GL + WC + Auto typically yields the best overall value.
Starter
Repair/small reroofs
- GL $1M/$2M
- Tools $10k–$50k
- HNOA (if needed)
Est. $1.2k–$5k/yr
Growing Crew
3–10 employees
- GL $1M/$2M
- Workers’ Comp
- Tools $50k–$150k
- Commercial Auto
- Installation Floater
Est. $10k–$35k/yr
Commercial / Institutional
Hospitals, schools, flat/low‑slope
- GL + Umbrella ($2M–$10M)
- WC + Auto
- Pollution / E&O
- Bonds as required
Custom pricing
Get Job‑Ready Fast: Certificates & Contract Terms
Same‑Day Certificates
Need a COI for a new project? We deliver same‑day certificates with Additional Insured, Primary & Non‑Contributory, and Waiver of Subrogation endorsements when required.
We Speak GC & Municipal
We map your policy to spec: per‑project aggregates, completed operations, OCP/railroad endorsements, waiver language, and balanced limit structures.
Why Roofing Contractors Choose Insurox
Access to 150+ Carriers
Mainstream and specialty markets for residential, commercial, and institutional roofing.
Personal & Commercial — No Limits
Unlike captives, we place both personal and commercial lines for holistic coverage.
Fast. Digital. Human.
Quote online, e‑sign, and get documents fast — with expert agents ready when you need them.
Frequently Asked Questions
Yes. GL protects you from third‑party property damage and bodily injury claims — common even on small repairs. Most owners and GCs require it.
Some carriers exclude or restrict hot work/torch operations unless specifically endorsed. We’ll place you with markets that fit your methods and add required endorsements.
Open roof exposures may require special endorsements and strict tarp/weather procedures. We’ll tailor terms and provide guidance for compliance.
Often within hours of binding coverage. Rush requests are available — send us your deadline and contract specs.
Rules vary by state and how work is controlled. Many states treat certain 1099s like employees. We’ll review your setup and keep you compliant.
