Roofing Contractor Insurance — Coverage, Cost & Requirements
High-risk trade requiring specialized GL and workers' comp. Covers falls, property damage, and material defects.
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What Coverage Does Roofing Contractor Insurance Include?
Most roofing contractor businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
Umbrella
Adds a layer of protection above your primary policy limits — typically $1M–$5M additional.
How Much Does Roofing Contractor Insurance Cost?
The cost of roofing contractor insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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