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Roofing Insurance: Cost & Cheap Quotes From $11

For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!


For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

Table of contents
1. Roofing Liability Insurance2. Roofing General Liability Insurance2.1. In Which Situations Can You Leverage the Protection of General Liability Insurance?2.2. Can I Customize My General Liability Policy to Cover Other Exposures?2.3. How Much Coverage Can You Get From General Liability Insurance?2.4. Does General Liability Insurance Cover Defective Work?3. Professional Liability Insurance for Roofing Businesses 3.1. What Exposures Does Professional Liability Insurance Cover? 3.2. Does Professional Liability Insurance Cover the Misconduct of My Subcontractors? 3.3. I’m Starting to Provide Solar Panel Installation Services. Does My Existing Professional Liability Insurance Cover This?4. Public Liability Insurance for Roofers5. Commercial Property Insurance for Roofing Businesses 5.1. When Can Commercial Property Insurance Help You Out?5.2. Does Commercial Property Insurance Cover Business Equipment, Stocks, and Inventory?5.3. Will Commercial Property Insurance Take Care of Costs if Equipment and Roofing Materials Got Damaged During Transit or While at a Project Site?6. Business Owner’s Policy for Roofing Businesses6.1. Can You Add Optional Policies to a Business Owner’s Policy?7. Tools and Equipment Insurance for Roofing Businesses7.1. When Does Tools and Equipment Insurance Grant Coverage?7.2. Are the Tools and Equipment of Subcontractors Covered?7.3. How Do I Purchase Tools and Equipment Insurance?8. Roofing Workers Comp Insurance8.1. Does Workers Compensation Cover Your Subcontractors?9. Commercial Auto Insurance for Roofing Businesses10. Temporary Roofing Insurance11. Roofing Company Insurance12. Do I Need Another Coverage Bundle if My Roofing Business is Involved With Other Activities?13. Roofing Insurance Cost13.1. How to Reduce Premiums?13.2. Cost of Workers Compensation Insurance for Roofing Businesses14. Best Roofing Insurance Companies 14.1. NEXT Roofing Insurance 14.1.1. Pros14.1.2. Cons14.2. CoverWallet Roofing Contractor Insurance 14.2.1. Pros14.2.2. Cons14.3. Tivly Roofing Contractor Insurance 14.3.1. Pros14.3.2. Cons14.4. Thimble Roofing Insurance 14.4.1. Pros14.4.2. Cons14.5. Hiscox Roofing Insurance 14.5.1. Pros14.5.2. Cons14.6. State Farm Roofing Contractors Insurance 14.6.1. Pros14.6.2. Cons

A roofers liability ranges from injuries caused to third parties during a roofing installation project,  work-related accidents, to complaints of defective work, and issues because of negligence. 

Commercial roofing insurance allows you to sort things out smoothly if exposures occur. Read this guide that will take you through the inclusions, the cost of premiums, and the best companies. 

Roofing Liability Insurance

General liability and professional liability policies are the two types of roofing liability insurance that you must always have. By having these two, you can satisfy contract and licensing requirements. 


Roofing General Liability Insurance


CoverWallet NEXT (Best)Thimble HiscoxProgressive
Per occurrence limit $1,000,000$300,000/$1,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit 
$2,000,000
$1,000,000$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit $100,000
$100,000$5,000$100,000$100,000
Waiver of subrogation included?YesNoIncludedExcludedExcluded
Hired/non-owned auto liability coverage included?YesNoExcludedExcludedExcluded
Equipment breakdown floater included?No YesYesExcludedExcluded
Can you get a certificate of insurance online?YesYesYesYesNo 
Name additional insureds?YesYes
YesYesNo 
Deductible$0$0$0$0$0


Roofing installation, repair, and maintenance is an intricate task. You use different materials and tools that can cause accidents when mishandled. 

General liability insurance, also a common inclusion in roof cleaning insurance bundles, grants comprehensive protection against claims for bodily injuries or property damage that result from your roofing installation, repair, and maintenance activities. Use the table above and see which insurance company offers the best roofing general liability insurance. 


In Which Situations Can You Leverage the Protection of General Liability Insurance?

These are some realistic situations where you can leverage general liability insurance to avoid financial losses:

  • An asphalt shingle slides and falls from the client’s rooftop. This hit a client’s family member and caused head trauma

  • The owner of a commercial building filed a property damage lawsuit after your roofing removal and replacement service resulted in leaks 

  • A signage installer fell from a height while fixing the lighting of your roofing business


Can I Customize My General Liability Policy to Cover Other Exposures?

Yes. You can customize the general liability policy of your roofing contractor insurance package by adding these optional policies:

  • Customer property coverage

  • Business equipment coverage

  • Hired/non-owned auto liability coverage


How Much Coverage Can You Get From General Liability Insurance?

General liability insurance for roofing contractors has a $1 million-$2 million per occurrence limit. Insurance companies understand that general contractors might require you to get more. And so, you can increase your limits up to $5 million-$10 million by filing a request. 


Does General Liability Insurance Cover Defective Work?

Yes. General liability insurance covers lawsuits filed as a result of defective workmanship that caused bodily injuries or property damage. If the claim is all about defective workmanship that caused financial losses or business interruption, then general liability insurance can’t help.


Professional Liability Insurance for Roofing Businesses 


CoverWallet NEXT Thimble (Best)Hiscox
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000
Name additional insureds?YesYesYesYes
Waiver of subrogation included?YesNoYesCan be included
Deductible $500$500$500$50/$10,000


Roofing installation, maintenance, and repair needs skill and attention. It’s your responsibility if the client faces financial losses because you delayed the completion of a roofing project, you made the wrong computations, or an employee is inexperienced. 

A professional liability policy is always included in a roofing contractors liability insurance package to take care of such exposures. Use the table above to see which insurance company offers the best professional liability insurance for roofing contractors.


What Exposures Does Professional Liability Insurance Cover? 

Professional liability insurance will cover remunerations, legal expenses, and court judgments if a client files a claim and accuses you of committing any of the following:

  • Faking licenses and project portfolios

  • Inflating the cost of roofing materials and cheating the client of their money

  • Failure to recognize and correct errors in a roofing project’s design

  • Negligent hiring of sub-contractors


Does Professional Liability Insurance Cover the Misconduct of My Subcontractors?

You can use a professional liability policy as a subcontractor roofing insurance because 1099 workers can be named as additional insureds in its terms. By doing so, the coverage of your professional liability insurance applies even if negligence, misrepresentation, and other misconducts are committed by sub-contractors. 


I’m Starting to Provide Solar Panel Installation Services. Does My Existing Professional Liability Insurance Cover This?

No. Your existing professional liability insurance only caters roofing activities. To solve the coverage gap, we suggest you get a stand-alone professional liability policy from solar contractor insurance bundles. 


Public Liability Insurance for Roofers

A roofers public liability insurance works the same way as a general liability policy. It grants coverage against claims for bodily injuries or property damage. Public liability insurance is a common coverage in the UK. In contrast, only a few US insurance companies sell this as most offer a general liability policy. 

Compare Cheap Roofing Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Commercial Property Insurance for Roofing Businesses 


CoverWalletNEXT (Best)ThimbleHiscox
Building coverage limit (minimum)$50,000$25,000$25,000/$500,000$25,000
Contents coverage limit (minimum)$50,000$25,000$25,000/$500,000$25,000
Outdoor signsExcluded$2,500ExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/$10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keys Excluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000Excluded
Employee dishonesty floaterExcluded$5,000$2,500Included


A roofing business needs a warehouse to safeguard roofing materials and an office to conduct transactions. You can avoid drastic financial losses if something happens to the warehouse or office by including a commercial property policy in your roofing business insurance package. Use the table above to see which insurance company offers the best commercial property insurance for roofing businesses. 


When Can Commercial Property Insurance Help You Out?

Commercial property insurance will reimburse financial losses and help you continue business operations if the following happens:

  • A fire breaks out in your office or warehouse

  • Your office or warehouse catches a fire after a nearby building burst into flames

  • A car crashes in your warehouse or office

  • A plane crashes in your warehouse or office

  • A sinkhole forms and engulfs the entire space where your warehouse or office is located

  • Thieves break into your office or warehouse

  • Vandals destroy your office or warehouse’s storefront


Does Commercial Property Insurance Cover Business Equipment, Stocks, and Inventory?

Commercial property insurance covers the office and warehouse of your roofing business, and this means that anything inside is insured too. And so, the policy will also reimburse the value of roofing materials, ladders, drills, hammers, computers, air compressors, circular saws, reciprocating saws, and other valuables. 


Will Commercial Property Insurance Take Care of Costs if Equipment and Roofing Materials Got Damaged During Transit or While at a Project Site?

No. Commercial property insurance only covers such properties if their damage, loss, or destruction happened within your warehouse or office’s premises. 


Business Owner’s Policy for Roofing Businesses


CoverWalletThimble NEXT (Best)Hiscox
General liability aggregate limit $2,000,000$1,000,000/$2,000,000$300,000/$1,000,000$300,000/$2,000,000
Commercial property coverage limit $50,000$25,000/$500,000$25,000$25,000
Optional policies can be added?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


Not all businesses involved in roofing activities can shoulder the cost of insurance premiums without batting an eye. And this is why some carriers offer a business owner’s policy in their roofing insurance package. 

A business owner’s policy bundles general liability and commercial property insurance. Its cost is 5%-10% cheaper than buying such policies as stand-alone coverages. Use the table above to see which insurance company offers the best business owner’s policy for roofing businesses. 


Can You Add Optional Policies to a Business Owner’s Policy?

Yes. You can include add-ons to a business owner’s policy to enjoy more protection. Common optional policies are business equipment coverage, hired/non-owned auto coverage, waiver of subrogation, and inland marine coverage.


Tools and Equipment Insurance for Roofing Businesses


NEXT (Best)ThimbleHiscox
Aggregate limit$3,000/$10,000$2,500/$5,000$5,000/$25,000
Covers hired and borrowed equipment?$3,000/$10,000$2,500/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoNo
Offered as an endorsement to general liability insurance?YesYesYes
Deductible$500$500$0


Roofing installation equipment is integral to your business. And so, a large portion of your capital goes into curating the best equipment that allows for the speedy completion of a roofing project. 

Tools and equipment insurance exclusively covers the saws, drills, ladders, air compressors,and other objects you use for installation, repairing, and maintaining a roof. Use the table above to see which insurance company offers the best tools and equipment insurance for roofing businesses. 


When Does Tools and Equipment Insurance Grant Coverage?

Tools and equipment insurance takes care of repair or replacement expenses if your roof installation equipment is damaged or destroyed by:

  • Fire

  • Theft

  • Vandalism

  • Water damage

  • Electrical surge

  • Electrical shorts


Are the Tools and Equipment of Subcontractors Covered?

No. Tools and equipment insurance doesn’t cover the roofing installation equipment of your subcontractors. However, coverage can apply to the implements you borrow, hire, or lease. 


How Do I Purchase Tools and Equipment Insurance?

We suggest that you purchase tools and equipment insurance as an endorsement to your general liability policy, business owner’s policy, or commercial property policy. This way, you enjoy cheap premiums and easy policy management. 


Roofing Workers Comp Insurance

You can’t run a roofing business without employees. There must be at least clerks and roofing installation technicians to ensure smooth business operations.

Authorities will require you to cover all of your employees with worker's compensation insurance. Failure to comply will result in suspension, heavy fines, or even imprisonment. 

Roofing worker's compensation insurance will take care of these expenses when an employee of your roofing business sustains a work-related injury or disease:

  • Emergency medical treatment

  • Hospitalization

  • Medication

  • Rehabilitation 

  • Lost wages

  • Rehabilitation and allowance to dependents in case of death 


Does Workers Compensation Cover Your Subcontractors?

Workers compensation insurance doesn’t grant compensation to your sub contractors who sustained a work-related injury or disease. They can be named as an additional insured at an additional cost for coverage to apply. 

To make things more straightforward, we suggest you require subcontractors to get their own workers compensation insurance. You can also ask them to sign a waiver, if doing so is legal in your state. 


Commercial Auto Insurance for Roofing Businesses

You use a van or truck to transport employees, roofing materials, and equipment. And so, consider getting commercial auto insurance that does the following:

  • Cover the medical treatment of injured third parties in a vehicular accident

  • Cover the medical treatment of your employees if they get involved in an accident caused by an uninsured/underinsured driver

  • Pay the repair or replacement of parts if the commercial vehicle of your roofing business sustains damage


Temporary Roofing Insurance

Avail general liability coverage as a short-term policy and you’ll have temporary roofing insurance. A short-term general liability insurance grants coverage for hours, days, weeks, or months depending on your needs. It can also be paused. But note that, you have to buy this as a stand-alone coverage, which can never be added as an inclusion in your roofing insurance package. 


Roofing Company Insurance

A roofing company insurance program is designed for big roofing businesses. Composing this are general liability, professional liability, commercial property, business owner’s policy, and workers compensation insurance with higher limits.


Do I Need Another Coverage Bundle if My Roofing Business is Involved With Other Activities?

The answer is yes. For example, if your roofing business is involved with gutter cleaning, then your roofing insurance package might exclude this activity. And so, you need to invest in a gutter cleaner’s insurance program. 

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Roofing Insurance Cost

  • The average roofing contractor insurance cost is $292 per month or $3,504 per year for a $1 million general liability policy

  • The average roofing company insurance cost is $315 per month or $3,780 per year for a $1 million general liability policy. 


The actual roofing insurance price you pay can be exactly the same or different to the figures we mentioned based on:

  • Claims history

  • Business history

  • Number of employees

  • Annual revenues

  • Location

  • Policy limits


In addition, the table below gives a further idea of the best companies roofing liability insurance cost based on their pricing for a $1 million general liability policy:


Cost per MonthCost per YearBest for
NEXT$83$996Best overall; Fastest general liability insurance for roofing contractors
Thimble$91$1,092Short-term roofing insurance
CoverWallet$100$1,200Roofing contractor insurance online quotes comparison
Tivly$112$1,344Comparing roofing contractor insurance quotes over the phone
Hiscox$130$1,560Roofing insurance with worldwide coverage
State Farm$289$3,468Small to large-sized roofing contractors


We suggest you compare the roofing insurance cost estimates of different companies yourself to get the best deal. Start by clicking the “Get Quotes” button on this page. 


How to Reduce Premiums?

There are several things that you can do to reduce your rates and get cheap roofing insurance, including:

●  Comparing quotes from different companies.

●  Obtaining advanced OSHA safety certifications.

●  Going several years without major claims.

●Paying your annual rate upfront (instead of monthly premiums).

● Paying a higher deductible (the amount you agree to pay out of pocket before your insurer steps in and covers the rest).


Cost of Workers Compensation Insurance for Roofing Businesses

Workers compensation insurance can be a very expensive coverage for roofing businesses. And so, we’ve made a table showing the roofing workers comp rates of the recommended companies:


Cost per MonthCost per Year
NEXT$87.50$1,050
Thimble$88.92$1,067.04
CoverWallet$90$1,080
Tivly$100$1,200
Hiscox$104.50$1,254

Compare Cheap Roofing Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Roofing Insurance Companies 

Every insurance company will claim to realistically know the exposures of your roofing business. We’ve made this review that gives you an idea of which company is truly committed to protecting you. Proceed below to know the best roofing insurance companies’ pros, cons, and cost of a $1 million general liability insurance. 


NEXT Roofing Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for roofing contractors

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT covers roofing contractors and roofing companies through its roofing insurance program. Policies included in it are:

  • General liability insurance

  • Professional liability insurance

  • Commercial property insurance

  • Tools and equipment insurance

  • Commercial auto insurance

  • Workers compensation insurance

The limits of your insurance policies will depend whether you buy the coverage for your roofing business as a basic, deluxe, or premiere plan.

Once you’re insured, NEXT will give you access to its online insurance management platform where you can name additional insureds and send certificates of insurance to anyone as a text message, social media post, or email. 

Best for: Best overall; Fastest general liability insurance for roofing contractors

Average cost: $83 per month

Our rating: 10/10


CoverWallet Roofing Contractor Insurance

Pros

  • Compare roofing contractor insurance quotes online

  • Cancel your coverage anytime

  • Buy a coverage online or over the phone

  • Easy online policy management

Cons

  • Not an insurance company but an insurance broker 

CoverWallet’s roofing contractor insurance comes from different insurance companies. That said, this company enables you to get different quotes for your business. A typical roofing insurance package will consist of:

  • $1 million-$2 million general liability insurance

  • $1 million professional liability insurance

  • $50,000 commercial property insurance

  • Workers compensation insurance

  • Commercial auto insurance

Best for: Roofing contractor insurance online quotes comparison

Average cost: $91 per month

Our rating: 10/10


Tivly Roofing Contractor Insurance

Pros

  • Responsive customer service

  • Compare roofing contractor insurance quotes over the phone

  • A partner of many reputable insurance companies 

  • BBB accredited 

Cons

  • You need to call to get a quote

Tivly (formerly CommercialInsurance.NET) covers you through its contractors insurance. There’s no pre-made insurance package. This company will curate the insurance bundle according to your actual needs. That said, call and talk with a Tivly representative to compare quotes over the phone. 

Best for: Comparing roofing contractor insurance quotes over the phone

Average cost: $100 per month

Our rating: 10/10


Thimble Roofing Insurance

Pros

  • Sells a short-term general liability policy for roofing businesses

  • Numerous add-ons to general liability and business owner’s policy

  • Professional liability coverage is offered as an optional policy to general liability insurance

  • Quick to issue an estimate of your premiums

Cons

  • You can’t reach customer service by calling 

Thimble’s roofing insurance package offers the following:

  • $1 million-$2 million general liability insurance

  • Business owner’s policy with $1 million-$2 million general liability coverage and $25,000-$500,000 commercial property coverage

By the way, this company’s stand-alone general liability policy is available as a short-term coverage that lasts for hours, days, weeks, or months. You can pause this anytime. Policy limits are $1 million-$2 million. 

Best for: Short-term roofing insurance

Average cost: $112 per month

Our rating: 9/10


Hiscox Roofing Insurance

Pros

  • Worldwide coverage

  • Automatic policy renewal

  • Fast to handle claims

  • Dedicated team of claims experts

Cons

  • Excludes high-rise roofing in its underwriting appetite

Hiscox offers general liability, professional liability, and business owner’s policy for roofing businesses. You can also purchase commercial auto and workers compensation insurance but this will come from a partner. Note that you might not be eligible if you’re involved in high-rise roofing activities. 

Best for: Roofing insurance with worldwide coverage

Average cost: $130 per month

Our rating: 9/10


State Farm Roofing Contractors Insurance

Pros

●  Excellent reputation for quality service.

●  Provide both workers’ comp and general liability coverage.

●  Offices located nationwide.

●  Great customer service.

Cons

● Occasional reports of denied claims.

State Farm is one of the most popular insurance providers used by construction and roofing contractors. They’ve been in business since 1922 and have built a trustworthy reputation. One of the best reasons to go with State Farm is that they provide both general liability insurance  and  workers’ compensation coverage. This means that you may be able to bundle your policies together and save. State Farm has a stellar reputation for quality customer service, and they have offices around the country, which makes them easy to get in touch with when you need them most.

Best for: Small to large-sized roofing contractors

Average cost: $289 per month

Our rating: 9/10


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