Roofing Contractor Insurance
Roofing is widely known as one of the most hazardous industries in construction. With dangers like falls from heights, equipment mishaps, unpredictable weather, and accidental property damage, roofing contractors face significant daily risks. For roofing companies, having the right insurance is not just a smart business move; it’s essential for protecting their employees, clients, equipment, and reputation.
At Executive Choice Insurance, we specialize in providing tailored insurance solutions for roofing contractors. We help you stay compliant, competitive, and prepared for whatever challenges arise on the job site. Our goal is to deliver not just insurance but peace of mind so you can confidently focus on growing your business.
Why Roofing Contractors Need Insurance
Roofing contractors operate in a high-risk environment, and accidents can happen despite your best precautions. From injuries on the job to accidental property damage, the financial consequences of a single incident can be devastating.
Insurance safeguards your business by covering medical expenses, legal fees, repair costs, and more. It’s not just about compliance; it’s about protecting your employees, preserving your reputation, and giving clients the confidence to hire you. Many states, municipalities, and clients require proof of insurance before awarding contracts, making it an essential investment for success.
Essential Insurance Coverages for Roofing Contractors
Roofing contractors need insurance packages designed specifically for their risks. At Executive Choice Insurance, we understand these risks and offer specialized policies to cover them.
General Liability
Insurance
General liability insurance is the foundation of a contractor’s insurance portfolio. It covers third-party claims related to property damage, bodily injury, and advertising injury. For example, if a falling tool damages a client’s car or a homeowner trip over roofing materials on-site, general liability insurance covers legal fees, repairs, and medical expenses. This policy is often the first and most critical line of defense for roofing companies.
Workers' Compensation Insurance
Roofers work under conditions that inherently involve danger, whether it’s climbing ladders, working with sharp tools, or handling heavy materials. Workers' compensation insurance covers medical expenses, lost wages, and rehabilitation costs if an employee is injured or becomes ill while working. Many states require contractors with employees to carry workers’ compensation by law. This coverage helps protect your workforce while shielding your business from costly lawsuits related to workplace injuries.
Commercial Auto
Insurance
Roofing companies rely on trucks, vans, and trailers to transport workers, tools, and materials to job sites. Commercial auto insurance protects these vehicles against accidents, theft, and vandalism. If a company truck is involved in an accident on the way to a project, this policy helps cover repair costs, medical bills, and potential legal claims. Without it, your business could face unexpected financial losses and operational disruptions.
Contractor’s Tools and Equipment Coverage
Roofing professionals use a variety of tools, from nail guns and compressors to scaffolding and harness systems. These items are critical to maintaining productivity and meeting project deadlines. The contractor’s tools and equipment coverage protects your gear from theft, loss, or damage. If tools are stolen from a work van or damaged by a severe storm, this policy helps cover replacement costs and minimizes downtime.
Commercial Umbrella Insurance
Commercial umbrella insurance provides an additional layer of protection when the limits of your primary policies, such as general liability or commercial auto, are exceeded. For example, if your general liability insurance has a $1 million cap but a lawsuit results in $1.5 million in damages, your umbrella insurance can cover the remaining $500,000. This extra coverage is crucial for protecting your business against catastrophic claims that could otherwise jeopardize your financial stability.
Surety Bonds
While not technically insurance, surety bonds are often required for contractors to secure certain jobs or obtain licensing. Surety bonds guarantee that your company will fulfill its contractual obligations according to local regulations. If a project is not completed as agreed, the bond compensates the client for the resulting financial loss. Many government contracts and commercial projects require surety bonds as part of their bid process.
Professional Liability Insurance
Also called errors and omissions insurance, professional liability insurance covers claims related to negligence, errors, or omissions in your professional services. If your company offers consulting, design advice, or detailed project estimates, this policy protects you if a client claims that your recommendations caused financial loss. For roofing contractors providing architectural input or specialized expertise, professional liability insurance is an essential safeguard.
How Much Does Roofing Insurance Cost?
The cost of roofing contractor insurance depends on several important factors, including the size of your business, the types of projects you handle, the number of employees, and your geographic location. Other factors include your claims history and the specific coverage limits you choose.
On average:
- Small roofing businesses with a few employees typically pay between $2,000 and $5,000 per year for core coverage, such as general liability and workers' compensation.
- Larger companies, especially those involved in commercial or high-risk projects, may pay $10,000 or more annually.
- Additional policies like commercial auto, tools and equipment, and umbrella coverage can add to the total premium.
At Executive Choice Insurance, we work closely with you to evaluate your business’s needs, review your claims history, and recommend cost-effective policies that provide comprehensive protection. Our goal is to help you get maximum value from your insurance investment.
Proof of Insurance, Certificates, and Licensing
To win projects and secure client trust, roofing contractors are often asked to provide proof of insurance. This is typically done through a Certificate of Insurance (COI), which outlines your policy types, coverage limits, and effective dates.
In addition to insurance certificates, most states require contractors to carry specific licenses, which often involve demonstrating proof of insurance and surety bonding. Executive Choice Insurance helps you stay compliant by providing fast, accurate COIs and guiding you through the licensing and bonding process. This ensures you are always ready to secure new contracts and meet legal requirements.
Why Partner with Executive Choice Insurance
Executive Choice Insurance stands apart as a leading provider of tailored insurance solutions for roofing contractors.
Specialized Expertise
We have deep experience insuring contractors, particularly those with $2 million or more in annual gross sales. As the preferred insurance agency of the Power Washers of North America (PWNA), we understand the complexities and challenges of specialty trades.
Personalized Service
We work directly with each client to assess risks, explain coverage options in clear, jargon-free language, and craft insurance packages that meet your unique needs.
Top-Tier Insurance Providers
We partner with highly rated carriers to deliver competitive premiums without sacrificing the quality or breadth of coverage.
Fast, Responsive Support
From issuing certificates to guiding you through claims, we prioritize speed and accuracy in everything we do.
Local Market Knowledge
Based in Pittsburgh, we offer local expertise and understand the specific insurance, licensing, and compliance requirements in your area.
Roofing Insurance FAQs
Yes. Insurance is critical for protecting your business, satisfying legal requirements, and giving your clients peace of mind.
General liability and workers’ compensation are essential. Depending on your business, you may also need commercial auto, tools and equipment coverage, umbrella insurance, and surety bonds.
Rates vary based on company size, location, project types, and claims history. Most small businesses pay between $2,000 and $5,000 annually for basic coverage.
Absolutely. We offer solutions for solo contractors and small crews to ensure they are protected on every job.
Secure Your Roofing Business Today
Safeguard your business, protect your reputation, and meet client and legal requirements with a customized insurance plan from Executive Choice Insurance.
Contact us today for a complimentary consultation and receive a personalized quote tailored to your roofing business’s unique needs. Don’t wait until a claim threatens your hard-earned success, get the coverage and confidence you need now.
Contact Executive Choice Insurance today and empower your business with the right protection. When you’re covered, you’re unstoppable.
Coverage availability, limits, costs, and legal requirements may vary by state, industry, insurer, and project type. This content is for informational purposes only and does not constitute legal or insurance advice. Please consult with Executive Choice Insurance to discuss your specific business needs and receive tailored guidance.