Business insurance • Roofing contractors
Roofing Contractor Insurance: Coverage, Costs, and State Requirements
Roofing is one of the riskiest trades to insure because of falls, property damage, and weather exposure. Most roofers need general liability, workers’ compensation, commercial auto, and tools coverage, and some states set their own minimums. Typical general liability costs about $317 a month, according to Insureon.
This guide covers the policies roofers carry, typical costs, and how requirements vary by state, with a local guide for each state we serve. Blake Insurance Group is an independent agency, and a licensed agent can compare quotes for your roofing business.
Request a roofing contractor insurance quote
Tell us about your roofing business, crew size, and the work you do, and a licensed agent will follow up. Submitting the form does not bind coverage.
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What roofing contractor insurance covers
- 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 roofing insurance costs
| 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.
Roofing insurance by state
Licensing, bond, and insurance rules for roofers vary by state. Choose your state for local requirements:
- Alabama roofing contractor insurance
- Arizona roofing contractor insurance
- California roofing contractor insurance
- Florida roofing contractor insurance
- Georgia roofing contractor insurance
- Illinois roofing contractor insurance
- Iowa roofing contractor insurance
- Kansas roofing contractor insurance
- Michigan roofing contractor insurance
- Nebraska roofing contractor insurance
- New Jersey roofing contractor insurance
- New Mexico roofing contractor insurance
- New York roofing contractor insurance
- North Carolina roofing contractor insurance
- Ohio roofing contractor insurance
- Oklahoma roofing contractor insurance
- Pennsylvania roofing contractor insurance
- South Carolina roofing contractor insurance
- South Dakota roofing contractor insurance
- Tennessee roofing contractor insurance
- Texas roofing contractor insurance
- Virginia roofing contractor insurance
- Washington roofing contractor insurance
- West Virginia roofing contractor insurance
What affects your premium
- Payroll and crew size, which drive workers’ compensation cost.
- Residential versus commercial work, roof pitch, and building height.
- Hot work such as torch-down roofing.
- Claims history, safety program, and years in business.
- Limits required by general contractors and project owners.
Roofing contractor insurance FAQs
How much is roofing contractor insurance?
Median costs are about $317 a month for general liability and $175 a month for workers’ compensation, based on Insureon customers.
What insurance do roofers need?
Most need general liability, workers’ compensation if they have employees, commercial auto, and tools coverage. Some states and clients require more.
Why is roofing insurance expensive?
Roofers face high fall risk and can cause costly property damage, which raises both workers’ compensation and liability premiums.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
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
Tell us about your roofing business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
