Roofing Contractor Insurance
Roofing Contractor Insurance is vital for protecting businesses from risks like accidents, property damage, and legal claims. It covers general liability, workers’ compensation, and commercial auto, ensuring your business remains secure. Use tools like Eagle Nation to compare quotes and find the right coverage for your roofing business.
Choose the right coverage from trusted insurance providers.
Why Do Roofing Contractors and Businesses Need Insurance?
Working in the roofing industry comes with real risks. One fall from a ladder or a lawsuit from an unhappy homeowner can leave your company nearly bankrupt. I’ve seen small roofing businesses shut down overnight due to unexpected financial losses.
That’s why strong insurance policies act as a shield; they help fulfill legal requirements and protect your business. Whether you’re a contractor applying tile on a roof or managing a full house project, you need proper coverage.
Tools like Eagle Nation make it easier to find the right plan that matches your unique needs and keeps you in compliance with local laws.
How to Get the Right Coverage Easily
Through one easy online application, you can compare quotes from top-rated carriers. I often recommend taking free advice from licensed insurance agents, especially if you’re unsure about which insurance policies are best for your business.
Knowing you’re covered gives you peace of mind, especially in this line of work where anything can go wrong quickly. The key is to choose policies that not only protect your assets but also give you confidence in knowing you’re prepared for any situation.
What Types of Business Insurance Do Roofers Need?
Roofers face unique risks, so it's important to have the right insurance to protect your business. Here are the most common types of business insurance that roofers need:
Business owner’s policy
This policy conveniently bundles commercial property and general liability insurance into one cost-effective plan for dealers. A BOP is ideal for securing auto shop insurance and shielding businesses from financial losses.
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Commercial auto insurance
A policy designed for dealers and repair shops helps pay for property damage and medical bills after an accident. It is required in many states for businesses that own cars.
Under this plan
Car accident repair costs
Vandalism and theft
Weather damage
General liability insurance
This policy covers basic liabilities for auto service businesses, protecting against dealer risks like customer injury at a repair shop. To maximize savings, businesses can bundle it with property insurance or a business owner’s policy for broader coverage.
Under this plan
Customer injuries at a repair shop
Accidental vehicle damage
Slander and advertising injuries
Workers’ compensation insurance
Workers’ comp is required for auto shops in almost every state to cover employee injuries and related costs. It protects both employees and sole proprietors by handling work injury costs that health insurance might deny.
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits
Tools and Equipment Protection Plan
Contractor’s tools and equipment insurance helps protect your construction gear no matter where you go. This policy keeps your tools and equipment safe while you’re moving them (in transit) or using them at a jobsite. To qualify, your items usually need to be valued under $10,000.
Under this plan
Equipment less than five years old
Mobile equipment
Small toolsa
Professional Liability Protection Plan
Professional liability insurance for contractors, also known as errors and omissions insurance, protects against financial losses when a construction mistake or oversight causes a lawsuit. This policy is key for handling claims related to your work and promises made to clients.
Under this plan
Accusations of negligence
Failure to complete construction
Failure to use promised materials
How Much Does Roofing Insurance Cost?
The cost of roofing insurance depends on several key factors. Here are the main points that influence pricing:
- Services Offered – Whether you provide residential or commercial roofing services will impact your premium.
- Business Equipment and Property – The value of your business equipment and property plays a role in determining insurance rates.
- Business Size and Revenue – A roofing company with several employees and higher revenue will generally pay more than a small, solo contractor.
- Types of Insurance Purchased – The different types of coverage, such as liability or workers’ compensation, affect the overall cost.
- Policy Limits and Deductibles – The policy limits and deductibles you choose also have a direct effect on your premiums.
How Do I Get Roofers' Insurance?
Getting roofers’ insurance is a simple process, especially if you have your business details ready. Here’s a quick guide on how to secure your insurance coverage:
- Complete a free online application: Fill out basic information about your business, such as revenue and number of employees.
- Compare insurance quotes and choose policies: Review multiple quotes to find the right fit for your roofing business.
- Pay for your policy and download a certificate: Once you select your coverage, make the payment, and get your insurance certificate.
With Eagle Nation, you can rely on licensed insurance agents to help you find the most affordable and appropriate policies that suit your needs, whether you’re working independently or managing a team.
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
Common Questions About Roofing Contractor Insurance
The best insurance for a roofing contractor is general liability insurance. It’s the most common coverage, protecting against property damage, injuries caused by tools or materials, and issues with completed roofing projects.
Yes, it’s recommended for the roofer to meet the insurance adjuster at your property. The adjuster assesses the damage, and having the roofing contractor present ensures accurate evaluation and that the contractor can discuss repairs or discrepancies directly.
Roofers often go through insurance because it helps them negotiate a better claim amount if there are significant discrepancies. Working with the insurance company enables the contractor to repair your home efficiently while ensuring fair compensation.
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The Roofing Contractor Insurance from Eagle Nation provided me with the essential coverage I needed—general liability, workers' comp, and auto insurance. It’s all bundled in one easy-to-manage plan.