Business insurance • Georgia roofing contractors
Georgia Roofing Contractor Insurance: Specialty Rules and Workers’ Comp
Georgia lists flat roofing, sheet metal roofing, and shingles and shakes as traditional specialty trades, so roofers working within that specialty do not need a residential or general contractor license. Employers who regularly employ three or more people must carry workers’ compensation.
This guide covers Georgia roofing license rules, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Georgia, and a licensed agent can compare quotes for your roofing business.
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Georgia roofing license rules
The Georgia State Licensing Board for Residential and General Contractors lists flat roofing, sheet metal roofing, and shingles and shakes as traditional specialty trades. Specialty contractors do not need a residential or general contractor license when working within their specialty, but must follow all state and local codes and ordinances. The list is subject to change (Georgia Secretary of State).
Georgia workers’ compensation
Employers who regularly employ three or more people in Georgia must carry workers’ compensation. Regular part-time workers count, and officers of corporations and members of LLCs are included in the headcount (Georgia State Board of Workers’ Compensation).
Coverage most Georgia 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 Georgia 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.
Georgia roofing insurance FAQs
Do Georgia roofers need a license?
Roofers working within the listed specialty trades do not need a residential or general contractor license, though local permits still apply.
Do Georgia roofers need workers’ comp?
Employers who regularly employ three or more people, including officers and LLC members, must carry it.
Do Georgia roofers need general liability?
Most clients and general contractors require it before you start work.
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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