Roofing Insurance
What is roofing contractor insurance?
Roofing contractor insurance is customizable coverage for a variety of work-related risks. It protects your business against unexpected events and can help reduce costs after an accident. The most common type is roofing general liability insurance, which covers injuries and property damage.
A knowledgeable Progressive Commercial agent can help you find the best policy for your roofing company. Call us or start an online quote today.
Why roofing insurance is important
Roofing contractor insurance is important because it protects your business from financial losses and legal claims. It's essential for roofers because of the risky nature of their jobs, such as working at height and using heavy materials. Without it, you face liabilities that could have lasting effects.
Depending on the coverages you choose, roofing insurance helps with a range of incidents, including claims regarding general liability, professional liability, workers' comp, and more.
Additionally, having the right roofing business insurance can strengthen professional relationships. For example, clients might require a certificate of insurance (COI) before you start a project. Progressive Commercial can provide it once your policy is active.
Who needs roofers liability insurance?
The following individuals and businesses should consider roofing insurance:
- Roofing contractors and companies
- Subcontractors
- Self-employed roofers
- Construction firms
If you operate as a sole proprietor, a member of an LLC, or work for a startup, roofing insurance coverage can give you peace of mind.
Roofing liability insurance types
Roofing professionals typically need multiple types of insurance to protect against various risks. Options include:
General liability
General liability is the most common type of insurance for roofing contractors, covering property damage, injuries from tools or materials, and problems with completed projects. It's usually purchased through the excess and surplus lines (E&S) market, which specializes in high-risk professions.
Consult with one of our expert agents to help identify these risks and ensure your roofing business is protected. Discover the benefits of general liability insurance for roofers.
Commercial auto
Commercial auto insurance covers the vehicles used in your roofing business, such as dump trucks, pickups, and utility trailers. It addresses damages from accidents and provides liability protection if you cause injury or damage to others. Learn more about commercial auto insurance coverage.
Business owners policy (BOP)
A business owners policy (BOP) combines liability insurance with coverage for your commercial buildings and property. It protects against legal claims and risks like theft, ensuring your business is prepared for unexpected events. Explore our BOP coverage guide for more details.
Workers' compensation
Roofing workers' comp insurance covers work-related injuries or illnesses. It pays for medical bills, rehabilitation costs, and a portion of lost wages. This insurance supports your employees and helps you comply with legal requirements. Find out if you need workers' comp.
Professional liability
Professional liability insurance safeguards you from claims of negligence or mistakes related to your services. It can cover legal fees and damages if a client says your work caused them harm. Having this insurance helps maintain your reputation and lets you focus on delivering quality services.
Cyber insurance
Cyber insurance is coverage for data breaches and cyber attacks. It's a good fit for roofing companies that store client information and process transactions online. This insurance covers costs related to legal fees, data recovery efforts, and customer outreach.
Tools and equipment coverage for roofing contractors
Roofing companies moving between job sites should consider tools and equipment insurance. It covers the repair or replacement of essential roofing tools in case they are lost, damaged, or stolen. Adding this insurance to your general liability or BOP policy helps you operate without disruption.
Roofing contractor insurance cost
The cost of roofing insurance depends on factors like:
- Type of coverage
- Business size
- Number of employees
- Services
- Location
- Claims history
Considering this information can help you understand your roofing business insurance cost. Talk to an agent to learn more.
Why trust Progressive Commercial for your roofing insurance
When you choose Progressive Commercial, you get access to a complete suite of insurance products, competitive rates, and exceptional service. For over 50 years, businesses have relied on us for the protection they need.
Give us a call to speak with an agent or start an online quote.
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