Business insurance • Tennessee roofing contractors
Tennessee Roofing Contractor Insurance: BC-21 License and Workers’ Comp
Tennessee requires a contractor license for roofing projects of $25,000 or more, under the BC-21 roofing classification, including roofing subcontractors. General liability is required at an amount tied to the license’s monetary limit, and construction employers with one or more employees must carry workers’ compensation.
This guide covers Tennessee roofing licenses, the home improvement license in some counties, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Tennessee, and a licensed agent can compare quotes for your roofing business.
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Tennessee roofing licenses
| License | When it applies | Key requirement |
|---|---|---|
| Contractor license (BC-21) | Projects of $25,000 or more, including roofing subcontracts | General liability based on the license’s monetary limit |
| Home improvement license | Residential remodeling of $3,000 to $24,999 in participating counties | $10,000 bond or approved alternative |
Sources: Contractor License Requirements (Tennessee roofing guide), Tennessee Board for Licensing Contractors.
See our Tennessee home improvement bond guide.
Tennessee workers’ compensation
Construction employers with one or more employees must carry workers’ compensation, and applicants must show proof of an exemption when one applies (Contractor License Requirements (Tennessee roofing guide)).
Coverage most Tennessee 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 Tennessee 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.
Tennessee roofing insurance FAQs
When do Tennessee roofers need a license?
For projects of $25,000 or more, under the BC-21 classification. Some counties also require a home improvement license for smaller residential jobs.
Do Tennessee roofers need general liability?
Yes. Licensed contractors carry general liability at an amount tied to their license limit.
Do Tennessee roofers need workers’ comp?
Construction employers with one or more employees must carry it.
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.
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