• Roofing Services

What Kind Of Insurance Do Roofing Companies Need?

Insurance For Roofing Contractors

Roofing is a dangerous job and there is no doubt about it. It is not suitable for the faint-hearted or for people who are afraid of heights. But if the workers are brave enough to go to extreme heights still the roofing company will have to acquire some insurances, bonds, and compensation policies because human life is not for free. This article will tell you about all kinds of Roofing insurance companies need.

How Does Workers' Compensation Insurance Work?  

Workers' compensation insurance covers the costs of an employee's health care and salary replacement for work-related injuries or illnesses. The program protects the employer from lawsuits, ensuring that injured employees can avail of the medical care, without worrying about the cost and are compensated for wages lost during rehabilitation.

Subsequently, employers are responsible for injuries and illnesses in their business, workers' compensation insurance reduces your financial liability, regardless of who is responsible for the injury or illness. Employers depend on workers' compensation insurance to pay for medical, legal, and other related costs if an employee is injured or becomes ill from a work-related cause. Without workers' compensation coverage, the company could be financially responsible for the employee's medical care, rehabilitation, and lost wages.

Why Should I Get Insurance For My Roofing Business?

Roofing is a dangerous job. Sadly, accidents happen in the roofing industry and you must protect your employees and your company. According to studies from the Bureau of Labor Statistics, there are more than 28 deaths in the roofing industry per 100,000 workers. This is why there are so many reasons to get insured when hiring.

A need for general liability insurance may occur at any time, no matter where you work.  Homeowners cannot hire a roofing contractor without valid insurances. That is why Roofing insurance For Contractors is necessary. The financial losses and uninsured contractors can cost you dearly.

Commercial General Liability Insurance

Commercial general liability insurance is a type of comprehensive insurance that provides coverage for damage or injury caused by the activities or products of a business, or in the workplace. Although it does not cover all the risks a roofing company may have. Commercial general liability insurance generally includes:

  • Liability for bodily injuries and material damage.
  • Personal injuries.
  • Medical bills and payments.
  • The products have completed their operations.
  • Damage to premises.

Workers Compensation In The United States

Workers' compensation in the United States is regulated by every state, with laws confirmed by each state's law-making body and executed by a state agency. The workers' compensation policy provides for the payment of lost wages, rehabilitation services, and medical treatment to workers who have suffered an occupational injury or illness during work. All states require roofing companies to have workers' compensation insurance. A worker needs to recognize and prepare for the possibility of a workplace injury to carefully review the state and company compensation policies and guidelines.

Surety Bonds

A surety bond can be defined as a written agreement to secure the payment, or presentation of an act or a work. A surety bond is a unique type of insurance because it is a tripartite arrangement. It is a three-party contract/agreement by which one of the parties guarantees the performance or obligations of a second party and to a third party.

Occurrence Vs. Claims-Based General Liability:


The occurrence plan has lifetime coverage for incidents that occur during a policy time, regardless of when the claim is reported.

Claims-Based General Liability:

A claims-based policy covers claims that are made during the policy period. In this type of insurance policy, the coverage depends on the period of the claim.

We Have You Covered With The Coverage You Need

When you first see damage to the roof, check your home insurance policy and the coverage it offers. Home insurance companies take roofs to be one of the most vital and expensive parts of a house. That's why it's important to know if your policy covers roof-related issues, so you don't get caught off guard in the happening of roof damage. You can also request a copy of the policy document from your insurance representatives. Generally, insurance agencies offer two types of roof insurance, repair coverage, and replacement coverage. Repair coverage generally compensates the homeowner for a certain percentage of the repair costs.

These policies are more expensive and make it difficult to approve a claim. This is why it is so important to document the damage and file a claim as soon as possible. But we give you the coverage you need at Roofers101. Roofers101 will provide you with all the information you need for your appropriate roof cover insurance.

Why Do I Choose Simply Business?

Business insurance refers to the range of coverages that a business owner can buy to protect against losses and liabilities. Without business insurance, you could leave your business unprotected against the unforeseen costs of accidents, property damage, and injuries. Simply Business offers the most convenient way to get small business insurance to protect you. It's pretty straightforward, you can compare free quotes from major insurers and choose the exact coverage you need. With just a few snapshots you can be sure in less than 8 minutes, it's very easy.

Workers Compensation

Worker's compensation insurance is a type of business insurance that provides benefits to employees who suffer from work-related accidents or illnesses. Workers comp insurance helps pay for medical care, pays for lost work time, and more. Workers' compensation insurance helps protect your business in many ways which include coverage for employee illnesses and workplace injuries, protecting your roofing company from claims, and keeping your company in compliance with state regulations.

How Much General Liability Insurance Do You Need?

General liability insurance can protect you against risks and help your business meet contractual requirements. General liability insurance is often required to protect you from financial jeopardies. It ensures that you will be able to cover the costs of any lawsuits brought against your business. Your general liability insurance plan amount should not be specified by the scope or overall cost of a typical project.

Even a small repair job can end up costing thousands of dollars in property damage, personal injury, and legal fees. Instead, you should be looking to have a plan that covers the worst-case scenario your business might face. If you buy general liability insurance because a lease or contract requires it, your client will likely specify the amount of coverage you need. The general liability insurance covers legal costs related to customers and other third parties injured during work, and damage to property of third parties.

Get Roofer Insurance That Covers Your Biggest Risks

Two main types of insurance can cover the biggest risks and damages for roofers:

  • General liability insurance.
  • Worker's compensation insurance.

General Liability Insurance:

General liability insurance covers risks such as client injury, property damage, and personal injury. It also guards your small business against the high costs of claims and helps you qualify for contracts.

Workers' compensation insurance:

This type of insurance allows you to provide your employees with the benefits they need if they suffer from an accident at work or an occupational disease.

Advantages of these insurances:

  • You can protect your business from claims.
  • It can cover compensations caused by negligence.
  • Proof of insurance can help clients feel safe.
  • This may be legally required where you work.

Why Do Homeowners Care About Their Roofer’s General Liability Insurance?

Homeowners have the idea that accidents can happen during their roofing projects. That is why homeowners wish to work with roofing contractors who have general liability insurance to cover accident costs and worker’s compensation policy for workers' injuries. Owners can sue you or your business personally for accidents or damages, even if you don't have general liability insurance; But if you can't pay, they might have to pay out of pocket. Because this is a risk they don't want to take, homeowners require proof of their general liability and workers' compensation insurance before accepting the services of a roofer.

About Roofing Insurance Price

Roofing insurance prices vary since insurance companies offer more than one type of plan, which you can choose from based on your specific roofing company requirements. Moreover, each plan has distinct purposes, deductibles, and coverages. In general, your roofing insurance rates will depend on factors such as your industry and the risks related to your job, as well as the services you provide, where you work, and the number of people.

Some of the jeopardies covered by liability insurance are:

  • Bodily harm
  • Damage to property
  • Medical payments
  • Legal defense and trial
  • Personal injuries.

On average, general liability insurance typically covers companies between $ 1,189 and $ 2,294 per year, or $ 108 to $ 204 per month.

Why do homeowners care about their roofers’ workers’ compensation plan?

Workers' compensation policies aim to protect both roofers and homeowners if a worker is injured during the roofing project of the property. If owners choose to work with an individual or company that does not have workers' compensation insurance, owners may be required to pay medical bills and other expenses if the company employee is injured at work. That is why homeowners care a lot about the workers' compensation plan.

What type of insurance do I need as a roofer?

As a roofing company, you should have valid, current, and verifiable workers' comp insurance and general liability insurance that will protect you and the homeowner in the unfortunate event of an accident that can occur during roofing work.

Do roofers have to buy general liability insurance?

Yes, in many states, general liability insurance is already compulsory, plus, it also protects roofers in care of any damage or injury. General liability insurance has also become necessary to satisfy homeowners because they don't want to pay from their pockets in case of any damage or injury.

Act Now And Get Protected Quickly And Affordably

If you have started a roofing company or you are an old roofer, you need to have your company and your employees protected with a valid insurance policy. Your roofing company must have general liability insurance and worker's compensation insurance. If you don't have any of these, act now and get protected easily, quickly, and affordably because many insurance companies are offering insurance plans customized according to your needs.

Additional Insurance

There are other types of insurance besides general liability insurance and workers' compensation insurance. Here are some other types of roofer insurance:

Commercial vehicle insurance:

This policy covers third-party damage and property damage caused by the vehicles of the insurance company, as well as repairs to vehicles damaged by weathering or destruction.


A bond is a form of business insurance that will pay your client if they don't complete a job for certain reasons. You will have to pay an insurance company an annual contribution as a deposit.

Roofer's tools and equipment insurance:

Roofing Tools and equipment insurance can compensate for the costs in the event of theft or destruction of the tools you need to run your roofing company.

Get Business Insurance With Optimized Coverage To Meet Your Exact Needs

Now you can get optimized roofing business insurance that is customized according to your particular business requirements. There are many insurance companies like Simply Business and more that offer insurance plans that are designed to provide you with the coverage you need.

General Liability Insurance For Roofing Contractors

General liability insurance covers damage to the property or bodily injury to non-employees. The liability insurance policy generally covers the following:

  • Property damage.
  • Bodily harm
  • Legal fees.
  • Advertising injury

Do Residential Roofing Contractors Need Commercial Property Insurance?

Yes because the commercial property insurance will protect the value of your property if it is destroyed or damaged by covered risks. If a roofing contractor works on both types of roofs such as residential and commercial, the roofing contractor will have to carry both insurances.

Do You Need Inland Marine Insurance For Residential Roofing Contractors?

It is not necessary but provides additional coverage for roofing contractors. Because inland marine insurance offers financial safety for your roofing business that does not stay in a fixed location and is not covered by a generic commercial property insurance plan.

Do You Need Workers Comp For Commercial Roofing Contractors In California?

Yes, all the roofing companies whether it is residential or commercial must have worker's compensation/workers comp insurance in California.

What Does The Insurance Of A Roofing Company Cover?

Worker's compensation coverage:

Workers' compensation insurance safeguards your employees in the occasion of an accident or injury.

General liability insurance can cover:

  • Property damage.
  • Bodily harm.
  • Legal fees.

Workers Compensation Insurance For Roofing Contractors

Worker’s compensation insurance defends your workers if they are injured on the job or get sick after a roofing project. It can cover medical costs for work accidents or occupational diseases.