Business insurance • Alabama roofing contractors
Alabama Roofing Contractor Insurance: Roofer License, $10,000 Bond, and Coverage
Alabama requires a Roofers License from the Home Builders Licensure Board (HBLB) for residential roofing over $2,500, backed by a $10,000 license bond. The state sets no universal liability minimum for roofers, and employers that regularly employ five or more people generally need workers’ compensation.
This guide covers Alabama roofer licensing, the bond, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Alabama, and a licensed agent can compare quotes for your roofing business.
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Alabama roofers license
- HBLB requires a Roofers License for residential roofing over $2,500 (Contractor License Requirements (Alabama roofing guide)).
- Applicants submit a notarized application, a current or recent local business license, and a $10,000 License/Permit Bond naming the Board as obligee (Alabama Home Builders Licensure Board).
- No statewide dollar minimum for liability insurance applies to roofers, but local authorities and contracts may set one (Contractor License Requirements (Alabama roofing guide)).
See our Alabama roofer bond guide for bond costs.
Alabama workers’ compensation
Alabama generally requires workers’ compensation when an employer regularly employs five or more employees, with some statutory exceptions (Contractor License Requirements (Alabama roofing guide)).
Coverage most Alabama roofers carry
- 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 Alabama 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.
Alabama roofing insurance FAQs
Do Alabama roofers need a license?
Yes, for residential roofing over $2,500. The HBLB issues the Roofers License.
What bond does an Alabama roofer need?
A $10,000 License/Permit Bond naming the Home Builders Licensure Board as obligee.
Do Alabama roofers need workers’ comp?
Employers that regularly employ five or more people generally must carry it.
Related guides
Important information
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Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
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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