Roofing contractor insurance

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Roofing Insurance

Considering the circumstances under which they work, roofing contractors face several risks every day varying from installation failures to third party injuries. Roofing contractors put themselves in potentially dangerous situations every day on the Jobsite, many of which result in claims that are not covered under standard contracting insurance policies. It is imperative that contractors in the roofing industry carry sufficient insurance coverage to protect themselves, their business, and their clients from harm. 

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So, we know that roofers face higher risks than other contractors, but what insurance coverages do they need to protect their business from harm? In the eyes of an insurance agency, standard contractor’s policies do not provide enough security for roofing projects. Roofing Insurance can provide the coverage limits you need.

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What is Roofing Insurance?

Roofing Insurance chartRoofing insurance is a specifically tailored set of insurance policies for roofing contractors. These policies have coverage and term limits customized for your roofing business. Typically, roofing insurance is a specialized form of liability insurance intended to prevent financial damage to a business in the event of an accident, however, can include additional coverages and limits as well. There are many types of policies a roofing contractor may be required to present to a client to start a job including liability insurance, builder’s risk insurance, umbrella policies, and more.

Who Needs Roofing Insurance?

All contractors involved in a roofing project should carry roofing contractor’s insurance. Your client may or may not mandate that you carry specific insurance policies, however, regardless of their requirements, it is highly recommended that roofing contractors carry enough insurance coverage for many types of projects they might be working on. Additionally, the state you are working in may require roofing contractors to carry additional coverages and term limits on their policies.

Contacting an insurance agent is always the best way to confirm you have the correct coverage mandated by your client and state laws to start a job. At Farmer Brown, we are experts in providing the best insurance coverage for contractors. Our industry knowledge allows us to serve roofing contractors with exceptional customer service and find the best coverage at affordable prices.

What does Roofing Insurance Cover?

Depending on your policy, roofing insurance can cover medical bills, legal fees, loss of business income, wages for injured employees, and more should an accident happen. Without the correct coverage, your business will be required to pay out of pocket and suffer extreme financial repercussions. 

Roofing Insurance Cover

Medical bill icon

Medical Bills

Balance icon

Legal Fees

Loss of Business income icon

Loss of
Business Income


Wadge for Injured Employees icon

Wages for
Injured Employees


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Medical Bills

Loss of
Business Income




Legal Fees

Wages for
Injured Employees


Roofer’s Insurance vs General Liability Insurance

It is typically recommended that all contractors carry a general liability insurance policy, including roofers. For some contractors, this may be ample coverage for their business; however, the work conducted by roofers poses more risks than other contractors and therefore requires more coverage. General liability insurance is one of many policies recommended for roofing contractors as it covers third party injuries, either to property or non-employee individuals, which is a common concern for roofing projects. This is an extremely important coverage for all roofers to have, but nonetheless not the sole roofing insurance policy needed to safely work on a roofing jobsite.

Recommended Roofing Insurance Policies:


Policy: Coverage:
General Liability
  • Third party property damage
  • Third party bodily injury
Worker’s Compensation
  • Employees injured on jobsite
  • Medical payments
  • Lost wages
Professional Liability
  • Legal costs
  • Advertising injury
Umbrella Policy
  • Covers damages that exceed standard coverage limits of other policies
Commercial Auto
  • Vehicles owned, leased, or rented by your business or employees
  • Guarantees in the form of money the completion of a contractual agreement according to expectations set in the contract

How Much does Roofing Insurance Cost?

The cost of a roofing insurance policy varies based on the coverage and term limits needed. In the eyes of an insurance carrier, roofers face higher risks than other contractors due to the nature of the work and the dangers presented. For this reason, insurance for roofing projects is typically more expensive than other construction work.

However, a higher premium should not make the decision to purchase additional insurance harder to make. Roofers are working in a dangerous industry and injury does happen; without insurance coverage you may suffer severe financial consequences much greater than the cost of an insurance policy.

Higher Risk Higher Premium Roofers chart

However, a higher premium should not make the decision to purchase additional insurance harder to make. Roofers are working in a dangerous industry and injury does happen; without insurance coverage you may suffer severe financial consequences much greater than the cost of an insurance policy.

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