Is your roofing business vulnerable to liability claims? In a high risk high reward sector, you could fall hard if you are sued. The roofing business scenario in the US comprises nearly 50,000 establishments. It is valued at over $30 billion. High reward, right?

Roofing is one of the highest-risk professions in the world. But, it is also one of the most dangerous.

Trouble ahead

Roofing business owners often face property damage claims or liability claims. And these lawsuits have the potential to disrupt your business, damage your reputation and jeopardize your future. In fact, lawsuits are common in the construction industry.

So, third-party claims can arise from any of these hazards:

  • falling from heights,
  • getting injured while lifting or transporting heavy materials,
  • being injured in wall or roof collapse,
  • struck by objects and
  • exposure to pollutants.

Not to mention that this industry involves the use of expensive materials, tools and equipment. Damage, theft and vandalism are a constant risk. Furthermore, being a high-risk occupation, roofers often suffer work-related fatal injuries and a high rate of bodily injuries.

In addition, your business may own vehicles to transport people and materials to the job-site. In the event of an accident, you could be held liable for injuries and damage.

On top of this, the roofing industry is one of  top 10 industries that receive complaints. This is according to the Better Business Bureau. Typical complaints include unsatisfactory workmanship and project delays. Are you protected from the subsequent reputation damage?

Protect your roofing business

In contrast, your business will benefit from the right insurance coverage in several ways.

  • Protection against property damage claims and liability claims
  • Coverage against negligence claims
  • Proof of insurance boosts your brand
  • Insurance may be required to sign contracts, lease premises and get finance
  • It may be a legal requirement in certain locations
  • Boosts client confidence. Most government and institutional clients require roofers who are licensed, bonded and insured.

Get the right insurance coverage

Although roofing insurance is in fact a bundle of different policies, some are more important than others. In short, no one policy will give you all the coverage you need. However, if you choose wisely, together they protect you, your business and your employees.

  • General Liability Insurance: First and foremost, you need protection against third-party claims for bodily injury and property damage. This policy covers:
    • medical expenses incurred due to injury,
    • legal defense and judgment expenses,
    • personal and advertising injury.


  • Commercial property insurance: Secondly, protect your property. For example:
    • Owned, leased or rented buildings,
    • storage facilities,
    • storage sheds and garages
    • building materials

You can also add a “floater” for tools and equipment that are used for a specific project whether you own or lease it.

  • Business Interruption/Loss of Income Insurance: Thirdly, this covers loss of income and operating expenses for up to a year.


  • Workers Compensation Insurance is this essential coverage. It is a legal requirement, and pays for:
    • expenses such as medical (and rehab) bills
    • lost wages,
    • disability,
    • death benefits,
    • defense costs


  • Commercial Auto: In addition, trucks, vans, pick-ups, cars or trailers should be protected against property damage as well as liability claims. This is important whether they are rented or owned vehicles. So get protection against:
    • personal injury
    • medical expenses,
    • third-party bodily injury and
    • collision coverage.


  • Inland and Marine Insurance: Last but not least, protect your business from theft.


What can you do to make it right?

So, how do you know what insurance your small business needs to protect you from liability claims? Ask the experts at Farmer Brown Insurance. Call us at (888) 973-0016. We have provided insurance advice to small roofing businesses for over 20 years. Moreover, we would love to help you too.

Written by: John Brown
John has more than 25 years of experience in the insurance industry. He grew from a star insurance producer to owning one of the largest agencies in the country; he's a reference regarding contractor's insurance, commercial insurance, and builders' risk insurance.