Roofing Insurance Coverage Types Explained

Roofing is a high-risk trade. Falls, equipment damage, and client property claims are just a few of the daily concerns. Without the right insurance coverage, one mistake can lead to serious financial consequences. This section breaks down the main types of roofing insurance and what each one protects against.

General Liability Insurance

This is the most common and most critical policy for roofers. It covers third-party injuries, property damage, and legal fees. If a ladder damages a client’s gutter, or someone trips over your tools, general liability helps cover the cost.

Workers’ Compensation

If your crew includes employees, this is likely required by law. Workers’ comp pays for medical bills and lost wages when an employee is injured on the job. Roofing injuries are among the most frequent in construction, making this policy a must.

Commercial Auto Insurance

Roofers often rely on trucks and vans to move tools and materials. Personal auto insurance won’t cover business use. Commercial auto insurance protects company vehicles from accidents, theft, or damage during work-related use.

Tools and Equipment Insurance

Roofing tools are expensive and vulnerable to theft or weather damage. This coverage helps pay for repair or replacement, even if the tools are stolen from a job site or damaged in a truck fire.

Inland Marine Insurance

For roofers transporting materials or equipment between locations, inland marine insurance adds extra protection. It kicks in where standard property or auto policies don’t, especially when items are on the move or temporarily stored off-site.

Contractor’s Surety Bonds

While not technically insurance, surety bonds are often required for licensing or client trust. They guarantee that you’ll complete the job as agreed or that the client will be compensated if you don’t.

Roofing insurance isn’t one-size-fits-all. A solid policy package usually combines liability, workers’ comp, commercial auto, and tools coverage each serving a distinct need. The right mix protects your crew, your clients, and your bottom line.

How Much Does Roofing Insurance Cost Monthly?

Roofing is one of the most high-risk trades in construction. That risk comes at a cost literally. Whether you’re a solo roofer or manage a full crew, knowing how much you’ll pay for insurance each month is key to budgeting, bidding jobs, and protecting your business. This section explains the monthly costs for roofing insurance and what drives the price.

Typical Monthly Costs for Roofing Insurance

For most roofing businesses, monthly premiums fall between $85 and $200. The final cost depends heavily on a few key factors:

• Business Size: A self-employed roofer with no employees may pay closer to $85–$100. Larger crews usually face higher rates due to increased injury risk.
• Coverage Limits: Higher coverage means higher premiums. For example, choosing a $2 million liability policy over a $1 million one increases monthly costs.
• Location: Insurance rules and claims history vary by state, which affects pricing.
• Claims History: A clean record helps keep costs down. Past accidents or lawsuits will raise rates.
• Type of Work: Residential roofing generally costs less to insure than commercial or industrial work, which carries more exposure.

Example Premium Scenarios

• A new roofer in Texas with basic general liability might pay around $95/month.
• A five-person crew doing both residential and light commercial roofing could pay closer to $175/month, especially if they carry tools insurance and workers’ comp.
• A company doing high-rise or flat roofing with multiple vehicles and higher liability limits may pay $250/month or more, depending on the insurer.

What’s Included in That Monthly Rate?

Monthly costs typically cover one or more of the following:

• General liability to protect against third-party claims.
• Tools and equipment coverage for job site theft or damage.
• Commercial auto coverage for vehicles used on the job.
• Workers’ compensation if you have employees.

Some providers bundle policies into one monthly rate. Others bill separately for each type of coverage.

Roofing insurance costs vary, but most small-to-mid-sized businesses pay under $200/month. The exact amount depends on crew size, coverage needs, work type, and claims history. Requesting a quote from multiple providers is the best way to get an accurate price for your situation.

Roofing Insurance Requirements by State and Region

Roofing contractors face more than just ladders and liability. State and local laws add another layer of complexity especially when it comes to insurance. Not knowing what’s required in your area can lead to license delays, fines, or even losing a job bid. This guide breaks down how insurance rules vary and what to look out for depending on where you work.

Why Insurance Rules Differ by Location

Every state sets its own standards for roofing licenses and the insurance policies needed to get or keep them. Some areas mandate specific coverage amounts. Others require proof of insurance before issuing a business license or construction permit. A few states don’t regulate roofing at all, leaving the rules up to counties or cities.

States with Strict Roofing Insurance Rules

Certain states enforce clear insurance minimums for roofing professionals. Here are a few examples:

• California: Requires workers’ compensation for all roofers even if they have no employees. General liability coverage must also be disclosed during license applications.
• Florida: Roofing contractors must show proof of general liability (usually $300,000 minimum) and workers’ compensation. The state also requires a license through the Construction Industry Licensing Board.
• Illinois: Commercial and residential roofers need a state license. Proof of insurance is required, including a $250,000 minimum in property damage coverage.
• Texas: Roofing is unregulated statewide, but many cities (like Austin and Dallas) require proof of liability insurance to register as a contractor.

Areas with Flexible or No State-Level Requirements

Some states have few or no mandatory insurance rules at the state level. But that doesn’t mean roofers are off the hook:

• Kansas: No statewide roofing license, but registration with proof of liability insurance is required for some counties.
• Colorado: Licensing and insurance requirements are set by municipalities. Denver, for example, requires both liability and workers’ compensation insurance.
• Missouri: No license or insurance mandate statewide. Still, many local governments require proof of insurance to issue building permits.

Key Insurance Types Commonly Required

Across most regions, the following policies are typically expected or recommended:

• General Liability Insurance: Often required to protect clients and cover property damage.
• Workers’ Compensation: Mandatory in most states if you hire employees, even part-time.
• Surety Bonds: In some states, contractors must be bonded before applying for a license.

How to Check Local Requirements

Always verify rules with your state’s contractor licensing board or local city permitting office. Requirements can change without warning. If you’re bidding on jobs in multiple counties or states, checking each one separately assumptions lead to mistakes.

Roofing insurance rules aren’t one-size-fits-all. Some states demand strict proof of coverage, while others leave it to cities or counties. The safest approach? Treat insurance as a must-have then confirm what’s required wherever you plan to work.

Roofing Insurance Claims: Step-by-Step Guide

Accidents happen on the job, damaging property, injured workers, or lost tools. When they do, knowing how to file a roofing insurance claim quickly and correctly can protect your business from serious financial loss. This step-by-step guide explains how to handle the process from the first incident to the final payment.

Step 1: Document the Incident Immediately

As soon as a problem occurs, start collecting details.

• Take photos of all damage or injuries, including close-ups and wide shots.
• Get statements from workers, clients, or witnesses while the event is fresh.
• Record the time, date, and location in writing even if it seems obvious.

The more accurate your documentation, the easier it is to avoid claim disputes later.

Step 2: Notify Your Insurance Provider

Don’t wait. Most insurers require notification within 24 to 72 hours.

• Call your agent or file online if your provider allows digital claims.
• Have your policy number ready.
• Provide a basic summary of what happened keep it factual and brief.

Delaying this step can lead to rejected or delayed claims.

Step 3: Complete the Claim Forms

Your insurer will send forms to gather more information. Fill them out promptly.

• Answer all questions honestly and completely.
• Double-check dates, names, and numbers for accuracy.
• Attach any requested documents, like photos or repair estimates.

Incomplete paperwork is one of the top reasons claims get held up.

Step 4: Cooperate with the Insurance Adjuster

An adjuster may contact you to verify the damage or investigate further.

• Make yourself available for site visits if required.
• Be clear, respectful, and cooperative during the review.
• Let your crew know the adjuster may ask questions.

If tools or equipment were stolen, provide a police report along with your claim.

Step 5: Track the Status and Follow Up

Once the claim is submitted, monitor progress.

• Keep a written log of all communication with your insurer.
• Ask for estimated timelines so you know what to expect.
• Follow up every 5–7 business days if there’s no response.

Persistence helps keep your claim from falling through the cracks.

Step 6: Review the Settlement Offer

When you receive a payout or repair offer, read it carefully.

• Make sure the settlement covers the damage you reported.
• Ask questions if anything looks unclear or incomplete.
• You can negotiate or appeal if the amount doesn’t match the loss.

Don’t accept a payout until you’re confident it meets the terms of your policy. Filing a roofing insurance claim takes more than a phone call. It’s a process and doing it right protects your time, your money, and your reputation. Stay organized, respond quickly, and keep good records at every step.

What’s Included in a Roofing Insurance Quote?

Getting a roofing insurance quote isn’t just about the price. It’s about understanding what you’re paying for and what protection you’re actually getting. This section breaks down the key elements typically included in a roofing insurance quote, so you know what to expect before you commit.

Basic Policy Details

Every quote starts with the type of coverage included. The most common policies found in roofing quotes are:

• General Liability: Covers third-party injuries and property damage. This is usually the core of every roofing policy.
• Workers’ Compensation: Required if you have employees. It pays for medical costs and lost wages after a workplace injury.
• Tools and Equipment Coverage: Protects your gear from theft or damage at job sites or in transit.
• Commercial Auto: Applies to vehicles used for work, such as trucks or vans carrying materials.
• Umbrella or Excess Liability: Optional add-on that provides extra coverage beyond the base limits.

Each line item typically lists a policy limit (e.g., $1 million per occurrence) and deductible amount.

Business Information Requested

To calculate your quote, insurers will ask for specific business details, including:

• Type of roofing work performed (residential, commercial, flat roofs, steep-slope, etc.)
• Number of employees, including subcontractors
• Annual revenue and payroll estimates
• Business location(s)
• Claims history for the past three to five years

These details directly affect your pricing and risk classification.

Premium Breakdown

The quote may include a monthly or annual premium. Some insurers offer installment plans. The premium is usually broken down by coverage type, this helps you see where your money is going.

Example:

• General Liability: $110/month
• Workers’ Comp: $75/month
• Tools Insurance: $25/month
• Total: $210/month

Quotes may also include taxes, administrative fees, or discounts for bundling policies.

Quote Validity and Conditions

Insurance quotes are not open-ended. Most come with an expiration date, often 30 days. They may also include:

• Binding conditions (e.g., passing a background check or license verification)
• Required documents (like proof of prior coverage or safety certifications)
• Limits on what’s covered based on job type or location

Reading this section carefully ensures there are no surprises after you accept the quote.
A roofing insurance quote isn’t just a number it’s a summary of your coverage, risks, and responsibilities. Reviewing each section helps you make a confident, informed decision before buying a policy.

Water Damage and Roofing Insurance: Coverage Tips

Water is one of the biggest risks on any roofing job. A single leak can lead to mold, structural damage, or a costly lawsuit. But not every water-related issue is covered by standard roofing insurance. This guide outlines what’s typically included and what steps you can take to reduce the risk of denied claims.

What Water Damage Does Insurance Cover?

Roofing insurance often covers water damage but only under specific conditions. Most general liability policies include protection for third-party property damage, including water leaks. However, this usually applies only if:

• The leak was sudden and accidental, such as a fallen shingle during installation.
• The water damage occurred while work was actively being performed.
• You weren’t grossly negligent (e.g., roofing in the rain without proper cover).

If a claim is denied, it’s often because the insurer sees it as a workmanship issue or long-term neglect not an insurable accident.

Common Exclusions You Should Know

Not all water damage is treated equally. Insurance carriers often exclude:

• Ongoing leaks that appear over time
• Improper installation or defective flashing
• Claims without documentation or late reporting
• Damage to your own tools or structure (unless covered by a separate policy)

To avoid surprises, read the exclusions section of your policy closely or ask your provider to explain it in plain terms.

Tips to Reduce Risk and Improve Claim Success

You can’t prevent every problem, but smart steps reduce the odds of a costly denial:

• Use tarps and temporary covers when weather is uncertain.
• Inspect work areas daily, especially before storms.
• Take photos before, during, and after work to document the condition of the site.
• Communicate with clients about what to expect and how water damage will be handled.
• Report potential claims early, even if you’re unsure if damage will spread.

These habits not only protect your crew and client relationships, they give you the proof you need if a claim becomes necessary. Water damage is one of the trickiest risks in roofing. Insurance may cover it but only under the right conditions. Knowing what’s excluded, staying proactive on the job, and keeping detailed records all increase the chances of a successful claim.

Bundling Roofing Coverage: Liability, Auto, Tools

Running a roofing business means juggling more than just jobs. You also manage equipment, vehicles, and risk every day. Buying separate insurance policies for each area can lead to gaps in coverage or higher costs. This section explains how bundling insurance, specifically liability, commercial auto, and tools coverage can offer stronger protection and clearer oversight.

Why Bundling Matters for Roofers

Each roofing job carries multiple risks. A single project may involve:

• Third-party property exposure
• Driving between sites
• Using thousands of dollars in tools

Bundling coverage under one provider gives you coordinated protection across all fronts. It also reduces the chance of coverage overlaps or worse, exclusions that leave you paying out-of-pocket.

Common Coverages Included in Roofing Bundles

Most roofing insurance bundles include:

• General Liability Insurance
  Covers property damage or bodily injury caused to others. If you crack a skylight during install, this is the coverage that responds.
• Commercial Auto Insurance
  Protects vehicles used for work such as hauling shingles or ladders. Personal auto policies won’t cover job-related use.
• Tools and Equipment Coverage
  Pays to repair or replace tools if they’re stolen, lost, or damaged whether on-site, in storage, or in a company vehicle.

Some bundles also include optional add-ons like inland marine coverage (for equipment in transit) or umbrella policies (for extended liability).

Benefits of Combining Policies

There are practical reasons many contractors bundle their coverage:

• Easier policy management: One renewal date, one insurer to contact for questions or claims.
• Lower premiums: Bundles may qualify for multi-policy discounts.
• Fewer coverage gaps: Coordinated policies reduce the risk of something being excluded between separate plans.
• Faster claims handling: When one provider handles it all, you’re less likely to get bounced between insurers.

What to Watch For

While bundling has benefits, it’s important to read the fine print:

• Make sure each policy within the bundle meets the requirements in your area or trade.
• Ask if the deductible applies once or separately for each policy in a bundled claim.
• Check that tool limits match your actual equipment value, some policies cap this too low for roofing businesses.

Bundling liability, auto, and tools insurance gives roofing contractors a smarter, simpler way to manage risk. It saves time, often lowers cost, and keeps your business better protected without juggling multiple policies or providers.

Insurance Options for New or Startup Roofers

Starting a roofing business comes with risk especially if you’re working on your first few jobs. One unexpected injury or damaged property can sink your company before it gets off the ground. This guide explains the insurance options available to new roofers and what coverage you’ll likely need from day one.

Core Policies Every Startup Roofer Should Consider

Even the smallest roofing operation needs basic protection. Here are the policies that matter most in the early stages:

• General Liability Insurance
  Covers injury or property damage caused to others while you’re on the job. This is often required before you can pull permits or win bids.
• Workers’ Compensation
  If you hire employees even part-time you’ll likely need this coverage. It pays for medical costs and lost wages when a worker gets hurt.
• Tools and Equipment Coverage
  Protect your gear if it’s stolen or damaged. This coverage is helpful for startups with limited cash on hand to replace tools quickly.
• Commercial Auto Insurance
  If you drive a vehicle for work, a personal auto policy won’t cover job-related use. Commercial auto protects you while hauling tools, ladders, or materials.

Startup-Friendly Insurance Features to Look For

As a new roofer, affordability and flexibility are key. When shopping for insurance, consider:

• Monthly payment options: Helpful for managing early cash flow
• Low minimum premiums: Some insurers offer plans starting under $100/month
• Bundled policies: Easier to manage, and may come with a small discount
• Short-term coverage: Some providers offer temporary policies for one-off jobs or limited projects

These features let you scale your coverage as your business grows without paying for protection you don’t yet need.

Where to Find Coverage as a New Roofer

Not all insurers work with new businesses. Look for providers that specialize in contractor insurance or offer plans for startups. Trade groups may also offer access to industry-specific programs with fewer restrictions.

Some examples include:

• National and regional insurance brokers
• Online platforms that issue same-day certificates
• Associations like the NRCA that connect roofers with vetted carriers

When requesting quotes, be prepared to answer questions about your experience, past claims (if any), and the kind of work you’ll be doing. Getting insured as a new roofer doesn’t have to be complicated or expensive. Focus on the basics liability, tools, auto, and workers’ comp if needed and choose options that match your current stage. Build coverage as your business grows.

How Roofer Insurance Supports Storm-Damage Work

Storm damage repair offers big opportunities for roofers but it also brings extra risk. Between emergency calls, damaged property, and insurance-driven timelines, one mistake can lead to legal trouble or lost income. This section explains how roofer insurance supports storm-damage jobs and helps you stay protected while meeting client demand.

Liability Protection for On-Site Accidents

Storm-damaged properties often have unstable structures, debris, or exposed electrical systems. These hazards increase the chance of injury or property damage during repairs.

• General liability insurance covers third-party injuries or property damage that occur during the job.
• If a roofer slips while walking across a wet deck and knocks a tool onto a client’s car, liability coverage helps pay for repairs.
• It also protects against lawsuits if a client claims the damage was made worse during the roofing work.

This is especially important when clients are already upset about storm damage, one misstep can quickly turn into a claim.

Workers’ Compensation During Emergency Jobs

Storm repair jobs are often urgent, meaning crews may work longer hours or under harsher conditions. That increases the risk of job-site injuries.

• Workers’ compensation insurance covers medical bills and lost wages if someone on your team gets hurt.
• Some policies also include coverage for heat exhaustion, falls, or injuries from working on unstable structures common in post-storm conditions.

Many homeowners won’t hire a roofer without proof of this coverage.

Support for Equipment and Vehicle Losses

Rushing to meet demand after a storm often means moving tools, materials, and crews quickly from site to site.

• Tools and equipment coverage protects gear that’s lost, stolen, or damaged in transit.
• Commercial auto insurance covers trucks and vans used to haul materials to emergency jobs.
• This coverage is critical when responding to multiple job sites in a short time especially if you rely on trailers or expensive machinery.

Without it, a theft or accident could stop your storm response work entirely.

Helping You Work with Clients’ Insurance Companies

Storm repair jobs are often tied to homeowners’ or commercial insurance claims. Having roofer insurance in place helps you:

• Provide proof of coverage to homeowners and adjusters
• Meet contractor requirements set by insurers
• Avoid being disqualified from participating in repairs due to lack of proper insurance

Being able to show up with valid certificates fast can be the difference between landing or losing a high-value job. Roofer insurance doesn’t just protect you during everyday work it plays a crucial role in storm repair jobs. From unstable roofs to insurance paperwork, the right coverage helps you operate safely, meet urgent demand, and earn client trust when it matters most.

Choosing the Right Roofing Insurance Provider

Roofing insurance isn’t just a line item it’s protection for your crew, your equipment, and your business reputation. But not all providers offer the same value. Some specialize in contractors. Others focus on small business policies or bundle deals. This section walks you through what to consider when selecting the right insurance partner for your roofing business.

Know What You Need Before You Compare

Before reaching out to any provider, get clear on the kind of work you do and the risks involved. Think about:

• Residential vs. commercial jobs
• Crew size, including subcontractors
• Number of work vehicles and tools
• License or permit requirements in your area

With these details, you can better evaluate which providers offer the right policy types and limits.

Questions to Ask Before Committing

When speaking with a potential insurer, go beyond the quote. Ask:

• Do you offer coverage specifically for roofing businesses?
  Some insurers exclude roofing from general contractor policies or charge more due to risk.
• Are tools, equipment, and vehicles all covered in one plan?
  Bundled coverage reduces gaps and simplifies renewals.
• Can you provide proof of insurance quickly?
  Some providers offer instant certificates, which helps when bidding jobs or meeting client demands.
• How do you handle claims?
  Ask about their average claims response time and whether they assign a dedicated rep.
• Is workers’ compensation available even for small teams?
  Some providers have minimum payroll thresholds make sure yours qualifies.

Compare More Than Just the Price

Cheaper premiums can seem attractive, but they might come with lower coverage limits or high deductibles. Review each quote carefully:

• Match coverage types to your actual job needs
• Check exclusions some plans won’t cover high-risk roofing tasks
• Consider how the deductible and policy limits work together during a claim

Also, read reviews. A provider with low prices but slow claims support can cost you more in the long run.

Signs of a Good Roofing Insurance Partner

Not all providers will fit every roofing business. Still, the right one usually has:

• Experience working with roofers or general contractors
• Positive feedback on claims responsiveness
• Flexible payment options (monthly, annual, or no upfront deposit)
• Support staff who understand state license requirements and contractor regulations

If a provider checks these boxes and feels easy to reach when needed, you’re likely in good hands. The right roofing insurance provider offers more than just a policy, they offer support, flexibility, and peace of mind. Ask the right questions, compare real coverage, and choose a partner who understands the risks of the roofing trade.

Mitigating Roofing Risks with Insurance Coverage That Works

Roofing involves real hazards. One fall, vehicle accident, or damaged tool can put your business at risk. Insurance helps limit the financial hit and keeps your company running. This guide explains how the right mix of policies can reduce risk across every job.

The Risks Roofers Face Daily

Every project comes with exposure whether you’re working on a small home or a commercial site. Some of the most common risks include:

• Injury on the job: Roofs are high, steep, and often unstable.
• Property damage: Mistakes can lead to cracked tiles, broken gutters, or interior water damage.
• Theft or equipment loss: Tools left overnight are easy targets.
• Vehicle-related issues: Crews travel frequently, increasing the chances of accidents.
• Client disputes: Even small issues can lead to costly claims.

If you don’t have proper coverage, these risks can lead to serious costs or worse, shut down your business.

Insurance Policies That Cover Roofing Risks

No single policy protects against everything. Roofers typically need a mix of insurance types to stay covered. Here’s what to consider:

• General Liability
  Covers claims related to third-party injuries or property damage. It’s often required for licensing and contracts.
• Workers’ Compensation
  Pays for medical care and missed wages if an employee gets hurt on the job.
• Tools and Equipment Coverage
  Replaces stolen or damaged gear, whether it’s in your truck or at the job site.
• Commercial Auto
  Covers work vehicles used to transport crew and supplies.
• Umbrella Coverage
  Adds extra protection if a claim goes beyond your standard policy limits.

Together, these policies reduce risk from all angles without leaving you exposed.

How to Avoid Gaps in Coverage

It’s easy to assume you’re fully protected. But missing coverage for subcontractors, rented tools, or new vehicles can lead to surprise expenses.

To avoid this:

• Review your policies before busy seasons
• Confirm your limits cover the scale of your jobs
• Ask your agent to explain what’s not included
• Add or update coverage whenever your team or equipment grows

Checking ahead helps you avoid surprises during a claim.

Extra Steps That Reduce Risk

Insurance helps with recovery. But it’s also smart to prevent issues before they happen. Here are a few ways to lower your chances of a claim:

• Use safety harnesses and fall protection on every site
• Train your team on handling equipment and spotting hazards
• Lock up tools during breaks or overnight
• Keep vehicles maintained and insured under the correct usage type
• Collect photo documentation before and after each job

These steps won’t eliminate risk but they do make claims less likely and easier to resolve. Roofing risks are part of the job. A strong insurance plan backed by smart prevention helps you manage accidents without losing momentum. Make sure your coverage fits your work, and revisit it as your business grows.

Checklist for Essential Insurance Policies When Working on a Roof

Roofing work comes with daily risks, falls, equipment damage, and liability claims, to name a few. Without the right insurance, even a small accident can create major setbacks. This checklist outlines the key policies roofers should have in place before setting foot on a roof.

General Liability Insurance

This is the foundation of any roofing insurance plan. It protects against claims involving:

• Damage to client property caused during the job
• Third-party injuries, such as a client slipping on loose materials
• Legal fees if you’re sued after an incident on-site

Tip: Make sure your policy clearly includes roofing work not all general liability policies do.

Workers’ Compensation

If your business has employees, workers’ comp is likely required by law. It covers:

• Medical bills after job-related injuries
• Lost wages if a team member needs recovery time
• Ongoing care, including physical therapy if needed

Scenario: A roofer falls from a ladder. Without this policy, you’re responsible for every cost.

Tools and Equipment Coverage

Roofing tools are expensive and vulnerable to loss. This policy covers:

• Theft from job sites, trucks, or storage areas
• Damage from fire, water, or accidents
• Replacement of broken or missing items used in your trade

Note: Some plans only cover scheduled tools, so double-check your inventory list.

Commercial Auto Insurance

Roofers often use trucks or vans for transport. Personal auto policies usually won’t cover business use. Commercial auto covers:

• Accidents while driving to and from job sites
• Property damage caused by your vehicle
• Injuries involving passengers or other drivers

Reminder: List all drivers and vehicles used in your operations.

Inland Marine Insurance (Optional but Smart)

For roofers who move high-value tools or materials between sites, this policy adds protection that others may not. It covers:

• Transit damage that occurs while hauling supplies
• Temporary storage of equipment at off-site locations
• Losses that happen outside your business address

Umbrella Coverage for Extra Protection

When a claim exceeds your standard policy limits, umbrella insurance provides backup. It can help with:

• Large-scale liability claims after major accidents
• Legal expenses not covered under basic policies
• Unexpected costs when multiple claims hit at once

Best for: Roofers handling commercial contracts or high-value properties.Roofing without insurance is a gamble. A solid insurance plan including liability, workers’ comp, equipment, vehicle, and optional coverage gives your business the protection it needs to handle risk and stay operational. Review your coverage regularly, and update it as your crew or projects grow.