Business Insurance for Roofers

Covers third-party bodily injury and property damage from your roofing operations. Critical: ensure your GL policy includes roofing as a covered classification — some standard BOP policies exclude roofing work over a certain pitch or height. Completed operations coverage for post-job leak claims is essential.

Roofing has one of the highest workers' comp rates of any trade — falls from height are the leading cause of construction fatalities. WC is mandatory in most states for any employees and is required by virtually every GC and property owner as a condition of letting roofers on-site. Solo operators: verify your state rules — some require WC even without employees.

Covers work trucks and trailers used to haul roofing materials, equipment, and crews. Your personal auto policy won't respond to business use accidents. Physical damage, hired/non-owned auto, and trailer coverage are all important for roofing operations.

Covers roofing equipment: nail guns, compressors, lift equipment, slate cutters, heat welding tools, and materials on job sites. Theft from job sites is common — especially pneumatic tools. Inland marine covers equipment at any location, in transit, and at temporary job sites.

A single roof collapse, major leak, or multi-person fall injury can quickly exhaust a $1M GL limit. An umbrella policy adds $1M–$5M in additional coverage at relatively low cost. Essential for commercial roofing contractors and any firm doing multi-story or large commercial work.