Roofing Insurance

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Our Roofing Insurance Covers Your Biggest Risks

How’s this for the understatement of the century: Roofers and their employees are exposed to a lot of risks. From the potential for falls to increased risk of property damage, you need insurance that protects your business while you work.

At Simply Business, we can do exactly that. Our roofing insurance policies are customized to protect your business from accidents, property damage, and more.

Plus, we make it very easy to get covered in under 10 minutes. Compare multiple free quotes from top insurers, pick your favorite policy, and relax — your roofing business is insured.

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What Insurance Do I Need as a Roofer?

Every roofing contractor is unique, but there are some insurance policies almost every roofer needs to stay protected, considering that it’s a high-risk line of work. Take a look at what those insurance policies are, including a few reasons why you need them.

General Liability Insurance for Roofing Contractors

General liability insurance (GL) — also referred to as commercial general liability coverage — is a type of policy that covers you and your roofing business in the event of third-party property damage- and accidents, as well as any resulting lawsuits.

But what exactly does that mean?

Here’s an example: Let’s say you have your employees cover a client’s roof with a tarp before a big overnight storm. Unbeknownst to you, during the rainstorm, water leaked into the client’s bedroom, causing thousands of dollars in water damage and furniture replacement costs.

Without GL insurance, you’d end up footing the entire bill yourself — but with this coverage, you wouldn’t owe a dime.

Think your business won’t make mistakes? Even the most careful roofer can run into accidents. Plus, if a customer sues you for property damage you didn’t cause, you’d still have to pay the cost of lawyer fees to defend yourself.

Those bills can add up. In some cases, they can be downright catastrophic, potentially putting your roofing business right out of, well, business.

To recap, general liability insurance usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your property
  • Professional services
  • Workers compensation or injury to your employees

Contents Coverage for Roofing Contractors

Contents coverage insurance is an option that can be added to your GL policy. We highly recommend this for roofers because it provides you with financial protection in case your tools are lost, stolen, or damaged during the course of your work.

Tool theft is no joke, and it can be devastating to a roofing business owner. Consider this: The average cost of tool theft is around $46,000. Unless you have that kind of money to burn, having your tools stolen could be devastating to your bottom line.

You worked hard to build up your arsenal of tools. Contents coverage ensures that all of your hard work isn’t swept away by a thief.

It’s easy to add contents coverage to our general liability insurance policies. Be sure to request it when shopping for a quote.

Workers Compensation Insurance for Roofers

If an employee gets sick or injured while working for you, workers compensation — also known as employer liability insurance — can pay for any costs associated with those medical bills.

Most states legally require roofing businesses to carry this policy when they hire their first employee, so be sure to add it to your coverage when you start hiring.

Here’s how workers compensation insurance works: If an employee gets injured on the job, this coverage can pay for medical costs and lost wages (up to your policy limit). Carrying workers compensation can give you peace of mind, as having this policy prevents an employee from suing your business for a workplace injury.

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance doesn’t include:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Roofing Insurance FAQs

Since roofers face a lot of risks in their day-to-day work, it’s important to find the right policy coverage that won’t leave any gaps in protection. Check out our answers to the most frequently asked questions regarding roofing liability insurance, including how to know if you’re legally required to carry it.

What is roofing insurance?

Roofing insurance is an umbrella term used to describe the policies designed specifically for roofing contractors and businesses. Roofing insurance can:

  • Pay for costs and claims from third-party property damages and accidents.
  • Help you get more customers, as it shows you take your business — and safety — seriously.
  • Assist in hiring and retaining better roofing employees.
  • Keep you on the right side of the law, as many states require some form of roofing insurance.
  • Give you peace of mind, knowing that you won’t have to pay for damages out of your own pocket (or your family’s).

What does roofing insurance cover?

Roofing insurance covers the most common risks you face as a roofing professional. While you can customize your policy to fit your unique needs, you can expect your roofing insurance to cover:

  • Property damage. Let’s say you slip off a ladder while climbing down from a customer’s roof. You catch yourself, but in the process, you accidentally kick your foot through the homeowner’s bedroom window. Roofing insurance can cover the cost to replace that broken window, as well as any other property damage you or your employees may cause.
  • Unintentional Accidents. If during the process of shingling a customer’s roof, a few shingles fall and hit the homeowner’s dog, your policy can pay for any resulting damage, like vet bills. (You’ll have to buy the dog treats on your own, though.)
  • Reputational damage. Let’s say your employee badmouths a customer on Facebook and that customer finds out about the post. If your customer decides to sue for slander or reputational damage, your roofers liability insurance can cover any resulting legal bills and potential payouts.

How much does insurance for roofers cost?

While roofing insurance costs vary from business to business, you can get a good estimate for what you may pay based on:

  • The number of employees and subcontractors you have
  • Your business location
  • The type of roofing services you provide
  • And more

Want to find out how much your roofing insurance may cost? Click here to answer a few questions so we can help you learn how much you can expect to pay for your roofing contractors insurance.

Is roofing insurance a legal requirement?

The answer to this question largely depends on the state where you live, as well as the cities where you work as a roofer. However, even if you’re not required to be insured in your state, there are several reasons you should carry it:

  • Roofing insurance prevents you from paying for property damage and accidents out of your pocket.
  • It can cover legal costs in case your business is sued.
  • Customers may be reluctant to hire you unless you have the right insurance coverage.
  • It can help you get approved for a business license and any contractor’s license you may need.

Why Choose Simply Business?

Simply Business is an online business insurance brokerage that lets you compare and buy policies from top insurers. We have over a decade of experience in making business insurance clear and simple for our customers.

We pride ourselves on making business insurance:

  • Fast and Affordable: You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.

  • Tailored to You: Forget one-size-fits-all insurance. Get the protection your business needs, when you need it most.

  • Flexible with Coverage: Whether you need increased coverage for the busy roofing season, or a policy for a larger project, Simply Business can help.

After all, you’ve worked hard to build your roofing business. That’s why we offer the best coverage to protect it.

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