Roofing Contractors Insurance
Roofing is one of the highest-risk trades to insure. We know the carriers who still write it — and write it fairly.
Roofing consistently ranks among the highest workers comp class code rates in construction — and for good reason. Falls from height are the leading cause of fatal injuries in the trade, and most carriers price that risk directly into your premium. A lot of general-market insurance shops simply won't write roofing at all, which pushes roofers into surplus lines or non-admitted carriers with worse terms than necessary.
We work with carriers that actively write roofing risk and understand the difference between steep-slope residential shingle work, flat commercial membrane systems, and metal roofing — three very different exposure profiles that shouldn't all be priced the same way. If your crew uses proper fall protection, has a documented safety program, and keeps a clean claims history, you should be getting credit for it in your premium.
Risk Exposures
What Insurers Look At for Roofing Contractors
Falls from Height
The single largest driver of roofing workers comp claims and premium — fall protection compliance directly affects your rate.
Property Damage
Tear-offs and material staging create exposure to the structure below, landscaping, vehicles, and neighboring property.
Weather-Related Delays & Claims
Storm damage work and emergency tarping carry their own liability wrinkles insurers scrutinize closely.
Subcontracted Crews
Many roofing operations use 1099 crews — carriers will ask how those crews are classified and insured.
Recommended Coverage
Coverage Built for Roofing Contractors
General Liability
Covers property damage to the structure, adjacent property, and third-party bodily injury from falling debris or material handling.
Workers Compensation
Rated specifically for roofing's elevated risk class — required for any W-2 crew members.
Tools & Equipment
Covers ladders, nail guns, compressors, and staging equipment that gets damaged or stolen on-site.
Contractor Bonds
Many states and municipalities require a roofing-specific license or permit bond.
Cost Factors
What Affects Your Roofing Contractors Premium
- Steep-slope vs. flat vs. metal roofing mix
- Percentage of new construction vs. re-roof/repair work
- Fall protection program and safety documentation
- Use of 1099 crews vs. W-2 employees
- Claims history
Typical Range
$2,500–$8,000+/yr for GL depending on revenue; workers comp rates for roofing are among the highest of any trade class code.
Every business is different — the only way to get an accurate number is a real quote based on your revenue, payroll, and claims history.
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Roofing Contractors Insurance Questions
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