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Roofers Insurance

If you’re a roofer, you know that working on top of a house can be a risky business. But don’t worry, we’re here to make sure you’re protected from any unexpected bumps in the road (or shingles in the wind). So sit back, relax, and let us take care of the nitty-gritty details while you focus on what you do best – making sure every roof is a masterpiece!

In the article below we will talk about something that’s not as exciting as climbing up on a roof but just as important: Roofer’s Insurance. Of course, insurance isn’t the most exciting topic, but bear with me – this is essential information for keeping your business protected so you can have a long lasting and profitable business.

What is Roofing Insurance?

First things first, let’s get the basics out of the way. Roofing business insurance protects contractors and their businesses from financial loss in an accident or other unexpected event. It can cover everything from workplace injuries to damage to property, and it’s a must-have for any roofing contractor.

The Cost of Roofing Insurance

I know what you’re thinking: “But insurance is expensive!” Well, yes and no. Business insurance costs can vary depending on various factors, including:

Your Company’s Accident History

If your roofing business has a history of accidents or injuries, you may pay more for insurance coverage. On the other hand, if your company has a clean record, you may get a better deal. Accidents can be a real drain on your resources, both in terms of finances and reputation. For example, if an employee is injured, you may be responsible for paying medical bills and lost wages. You may also face legal action if the accident was due to negligence or unsafe working conditions.

The Age and Legal Background of Your Employees

If your employees are older and/or have legal problems, your insurance premiums could be higher. On the other hand, the cost could decrease if your employees are younger and don’t have legal issues.

Your Company’s Age

If your company is newer, you may pay more for insurance coverage until you have a proven track record. Once you have a proven track record, you could pay less for insurance policies because companies are more likely to trust an established company with a long history of quality work.

Location of Your Company

Location, location, location – it’s not just for real estate! When it comes to insurance coverage for your roofing business, your company’s location can significantly impact the type of coverage you need. For example, if you operate in a location with a high risk of natural disasters, you may have to pay more for insurance. On the other hand, if you are in an area with a low risk of natural disasters, you could pay less.

What Does Roofing Insurance Cover?

Now that we’ve discussed the cost of roofing insurance, let’s talk about what it covers. Insurance can cover roofing contractors and a variety of different things, including:

Injuries to the Body

Injuries to the body roofers insurance is a type of insurance coverage that protects your business and your employees in the event of injuries on the job. In addition, this coverage can help pay for medical bills, lost wages, and other expenses related to the injury. It’s like a band-aid for your business – it won’t prevent accidents from happening, but it can help you recover from them.

Damages to the Property

Damages to the property roofers insurance is a type of insurance coverage that protects your business and your clients in the event of property damage on the job. This coverage can help pay for repairs or replacement of damaged property and any related expenses. It’s like a superhero cape for your business – it won’t prevent accidents from happening, but it can help you save the day when they do.

Personal Injury

Suppose you or one of your employees accidentally says or does something that results in a lawsuit. In that case, roofing insurance can help cover legal fees and related expenses.

Advertising Injury

In the age of social media and online advertising, making mistakes could easily lead to advertising injury claims. From using copyrighted images to making false claims about your services, advertising injury can be a real pain in the asphalt. That’s why it’s essential to have insurance coverage to protect yourself and your business. If you’re sued for copyright infringement and/or other advertising-related problems, your insurance can help cover the cost of legal fees and other related expenses.

Legal Expenses

Legal expenses are the costs associated with defending your business in a legal dispute or lawsuit. This can include attorney fees, court costs, and settlement or judgment payments. It’s like having your own legal superhero to help you fight off the bad guys – or, in this case, the bad lawsuits.

Factors to Consider When Choosing Roofer’s Insurance

When choosing insurance, there are several different factors roofing contractors need to consider, including:

Business Size

You may need more coverage than a smaller roofing business if you have a large company to cover all your employees and costs.

Type of Roofing Services Offered

Different types of roofing services may require different types of coverage. For example, if you specialize in commercial roofing, you may need different coverage than if you specialize in residential roofing. To find out what type of roofing services fits your company contact an agent at BIGinsurance and we will be happy to help you find a plan that fits your company.

Coverage Limits

You must ensure enough coverage to properly protect your business in an accident. This all depends upon what coverage you need. You can go to to see different types of quotes.


Deductibles can impact the cost of your insurance premiums and the amount you’ll have to pay out of pocket if you make a claim. Choosing the right deductible can help you balance the cost of your insurance premiums with the amount of risk you’re willing to take on.


Of course, you’ll need to ensure the business insurance cost fits within your budget. Using sites such as can help you sort through different pricing options.

What Types Of Insurance Should Roofing Contractors Have?

Now that we’ve discussed what to consider when choosing roofing insurance let’s talk about the different types of insurance you may need as a roofing contractor. These include:

Business Owners Policy or Commercial Property Insurance

This type of insurance can cover small businesses’ property damage and liability insurance.

Tools and Equipment Insurance

This type of insurance can cover damage or theft of your tools and equipment in transit or at a job site. 

Professional Liability Insurance/Errors and Omissions Insurance

This type of insurance can protect you from professional mistakes or negligence lawsuits.

Roofing Workers Compensation Insurance

This type of insurance is required by law in most states and can cover medical expenses and lost wages for injured employees.

Commercial Auto Insurance

You’ll need commercial auto insurance coverage to cover accidents or damage if you have company vehicles and to ensure that your employees and other drivers are protected in the even of an accident.

Product Liability Insurance

If you have a roofing company, you may need product liability insurance to protect against lawsuits related to those services you are offering at your clients place.

How to Purchase Roofer’s Insurance

If you’re ready to purchase insurance, there are a few steps roofing contractors need to take:

  1. Research different insurance providers and policies to find the one right for you.
  2. Get a quote from the insurance provider.
  3. Review the policy and make sure you understand what it covers.
  4. Purchase the policy and make your first payment.

Tips for Choosing the Right Insurance Provider

When choosing an insurance provider, there are a few things roofing contractors should keep in mind:

Choose an insurance company with a good reputation and a track record of paying claims promptly. Look for an insurance provider, like BIGinsurance, that specializes in roofing insurance. Make sure the insurance provider can offer the type of coverage you need.

Roofing insurance may not be the most exciting topic, but it’s a must-have for any roofing contractor. It can also protect your business from financial losses and give you peace of mind knowing that you’re covered in an accident or other unexpected event. When choosing insurance costs, consider factors like your business size, the type of roofing services you offer, and the insurance cost. And remember, always choose an insurance provider with a track record of paying claims promptly and a good reputation. See below for some frequently asked questions about roofer insurance.

Frequently Asked Questions About Roofers Insurance

Now, let’s address some common questions about roofing insurance:

Why Do I Need Roofers Insurance?

Insurance is crucial because it can protect your business and employees from financial losses in an accident or other unexpected event.

Does Roofing Insurance Cost Cover My Employees?

Yes, all employees are covered under roofing insurance in case of a workplace emergency as long as you have the right coverage.

What Does Roofers Insurance Pay For?

Insurance can pay medical bills, legal fees, property damage, etc.

What Do I Need To Get An Insurance Quote Online?

To receive an insurance quote online, you’ll need to provide some basic information about your business, such as the type of roofing services you offer and your location. After that one of our BIGinsurance agents will help guide you in finding the right policy for your roofing company.

How Can I Get a Certificate of Insurance?

To get a certificate of insurance, you must request one from your insurance provider. To do so, contact your insurance provider.

Do All Roofing Businesses Need Roofer’s Insurance?

Yes, all roofing companies should have roofing insurance to protect against financial and physical losses. In a lot of cases, it is also required.

Roofer’s Insurance vs. General Liability Insurance

It’s crucial to have specialized insurance to ensure you to have the right coverage for your specific needs. Even though general liability insurance can provide basic coverage, your business will probably need more.


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