Roofing is a high-risk industry — and without proper insurance, one accident could lead to a financial disaster. Roofing insurance protects your business from job site injuries, property damage, equipment loss, and lawsuits. Whether you’re doing residential repairs, full commercial installs, or storm recovery work, the right coverage keeps you protected and compliant with state and client requirements.
Get a quote from one of our experts at Bird’s Eye Insurance to determine how much you can save on your general roofing insurance. We’ll review various types of coverages that best suit your needs.
Protects against third-party claims: Covers property damage or bodily injury caused by your roofing work — like a falling tool or water damage due to improper sealing. Often required before you can begin work on a job site.
Covers your employees: Roofing work is dangerous. This policy helps cover medical bills and lost wages if a worker is injured on the job, and protects your business from lawsuits related to those injuries.
Protects business-owned vehicles: Covers your trucks and vans that transport roofing materials, ladders, tools, and crews between job sites.
Insures your gear: Helps replace stolen or damaged roofing tools, compressors, nail guns, and other equipment — whether on the job or in transit.
Protects roofing materials before installation: Covers materials that are stored on-site or waiting to be installed in case of theft, vandalism, or weather damage.
You need roofing insurance if you’re a licensed roofer, subcontractor, or general contractor offering roofing services. It’s essential whether you’re working on residential homes, commercial buildings, new construction, or storm damage restoration. Most clients — especially HOAs, commercial property owners, and builders — require proof of insurance before work begins.
Roofing is among the most hazardous construction trades, making substantial liability and workers’ comp coverage essential. Evaluate the risks your crew faces at height and ensure your policy fully addresses accident and injury exposure.
Roofers often transport costly equipment and materials that can be damaged or stolen. Ensure your policy includes inland marine or equipment coverage to safeguard your assets in transit and on-site.
Some states and clients require specific insurance coverage to approve roofing bids or issue contractor licenses. Ensure your policy meets or exceeds those minimum standards to avoid project delays or fines.
Roofing insurance usually covers general liability, property damage, and injuries that may occur on a job site. It can also protect against lawsuits related to workmanship or accidents involving clients or third parties. Depending on your policy, it may include coverage for tools, vehicles, or workers’ compensation.
While not federally mandated, roofing insurance is often required by state regulations or local licensing boards to operate legally. Many clients also require proof of insurance before hiring a roofing contractor. Having insurance helps you meet compliance and win more contracts.
The amount of coverage depends on the size of your business, the number of employees, and the type of roofing work performed. Most contractors carry at least $1 million in general liability coverage. A professional broker can help assess your risk exposure and recommend the proper limits.
Roofing insurance is tailored specifically for the risks roofers face, such as falling hazards and weather-related damages. General contractor insurance covers broader project management risks but may not address roofing-specific exposures. Roofers often need dedicated policies to ensure full protection.
Yes, subcontractors should carry their own insurance, including liability and workers’ comp. This protects both your company and the subcontractor in case of injury or damage. You should always request a Certificate of Insurance (COI) before work begins.
