General Liability
Covers property damage to client structures, falling object injuries, and completed operations claims after job completion.
Roofing Contractor Insurance for Every Project
Roofing is one of the highest-risk trades for worker injuries and property damage claims. We compare multiple carriers to find affordable coverage for your roofing business.
Coverage
What does Roofing Contractors insurance cover?
The right insurance program for your Roofing Contractors business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Workers' Compensation
Critical coverage for roofers — covers falls, injuries, and occupational hazards that are common in this high-risk trade.
Commercial Auto
Covers your work trucks, ladders, and equipment trailers used to transport crews and materials to job sites.
Commercial Property
Protects your tools, equipment, materials, and office or storage yard against theft and damage.
Professional Liability
Covers design-build roofers against errors in specifications or improper material recommendations.
Who needs it
Who needs Roofing Contractors insurance?
If you operate a Roofing Contractors business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Residential roofing contractors — Work at elevation on occupied homes, facing severe worker injury and property damage liability on every job.
- Commercial flat roofing companies — Work on large industrial and retail structures where water intrusion from a failed system causes massive losses.
- Storm damage restoration roofers — Work under time pressure after disasters, increasing the risk of defective repairs and subsequent water damage.
- Roofing subcontractors — Must carry independent coverage as GCs require proof of liability and workers' comp before starting work.
Why Ashmont Insurance Agency
The smarter way to insure your Roofing Contractors business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Roofing Contractors business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Roofing Contractors coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Roofing Contractors insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Roofing insurance is among the most expensive contractor coverage due to fall risk: general liability typically costs $3,000–$10,000+ per year, and workers' compensation rates are high. Exact costs depend on crew size, payroll, and claims history. Ashmont Insurance Agency compares multiple carriers for competitive roofing rates.
Roofing has the highest injury and fatality rates in construction. Insurers price this risk premium into policy costs. Maintaining a strong safety record and OSHA compliance can help reduce rates over time.
Yes. Completed operations coverage (included in general liability) protects you after a project is finished — covering claims like a roof leak that causes water damage months after installation. It is essential for any roofing contractor.
Yes. Ashmont Insurance Agency specializes in high-risk contractor coverage including roofing workers' compensation. We compare multiple carriers to find competitive rates for roofing operations of any size.
Most residential roofing contractors carry $1 million per-occurrence / $2 million aggregate general liability. Commercial projects and general contractor requirements may demand $2 million / $4 million limits. Ashmont Insurance Agency can help you get the right limits for your contracts.
Ready to protect your Roofing Contractors business?
Compare Roofing Contractors insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.