Business insurance • Pennsylvania roofing contractors
Pennsylvania Roofing Contractor Insurance: HICPA Registration and Coverage
Pennsylvania roofers who do $5,000 or more of home improvement work a year must register with the Attorney General under the Home Improvement Consumer Protection Act (HICPA). Registration requires at least $50,000 of personal injury liability and $50,000 of property damage coverage, and renews every two years.
This guide covers Pennsylvania HICPA registration, insurance minimums, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Pennsylvania, and a licensed agent can compare quotes for your roofing business.
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Pennsylvania HICPA registration
| Item | Detail |
|---|---|
| Who registers | Contractors and subcontractors doing $5,000 or more of home improvement work a year |
| Fee | $50, nonrefundable |
| Personal injury liability | At least $50,000 |
| Property damage | At least $50,000 |
| Term | Two years, renewed biennially |
Source: Pennsylvania Attorney General. Philadelphia and other cities may have their own licensing.
Coverage most Pennsylvania roofers carry
HICPA minimums are low for roofing work, so many roofers carry higher limits when clients or general contractors ask for them. Employers should also review workers’ compensation for their crews.
- General liability: third-party injuries and property damage, such as a dropped bundle that damages a car or a leak that ruins a homeowner’s ceiling.
- Workers’ compensation: medical bills and lost wages if a crew member is hurt, including falls.
- Commercial auto: trucks and trailers used to haul crews, materials, and debris.
- Tools and equipment (inland marine): ladders, nail guns, and compressors on job sites or in transit.
- Commercial umbrella: extra liability limits on top of general liability and auto, often required on commercial jobs.
What Pennsylvania roofers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $317 | $3,808 |
| Workers’ compensation | $175 | $2,101 |
| Commercial auto | $268 | $3,212 |
| Business owner’s policy | $125 | $1,503 |
| Tools and equipment | $42 | $505 |
| Commercial umbrella | $93 | $1,111 |
Median costs for roofing contractors who quoted through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, roof types, height, claims history, and location.
Pennsylvania roofing insurance FAQs
Do Pennsylvania roofers need to register?
Yes, if they do $5,000 or more of home improvement work a year, under HICPA.
How much insurance does HICPA require?
At least $50,000 of personal injury liability and $50,000 of property damage coverage.
How often does HICPA registration renew?
Every two years, with a $50 nonrefundable fee.
Related guides
Important information
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Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
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