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Roofing Contractor Insurance That Protects Your Business, Your Crew, and Your Bottom Line
Roofing is one of the most dangerous trades in America. Every contractor knows it. With a fatality rate of 51.8 per 100,000 workers and 82% of roofing deaths caused by falls, the hazards your crew faces are real, constant, and expensive when something goes wrong.
The Allen Thomas Group helps roofing contractors across 27 states find the right coverage at the right price.
We are an independent agency with over 20 years of experience, and we compare quotes from multiple A-rated carriers to build a protection plan that fits your operation, whether you run a two-person residential crew or manage commercial projects with dozens of employees. No cookie-cutter policies. No captive carrier limitations. Just roofing contractor insurance designed around your risks.
Our Carrier Partners
That allows us to find the best rates for our local contractors and construction companies.
Getting The Right Insurance For Your Roofing Contractor Business
We know how frustrating and complex the process of finding the right coverage and getting a COI can be and how it slows down your ability to care for your customers.
Let us help fix it for you in 3 easy steps.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Roofing Contractor Insurance Coverage Your Business Needs
No two roofing companies face identical risks. Your exposures depend on the work you perform, your crew size, the states where you operate, and the contracts you sign.
Here are the core coverages most roofing contractors need to stay protected, stay licensed, and keep winning work.
- General Liability Insurance — Your foundation. It covers third-party bodily injury and property damage during roofing operations — a shingle that dents a homeowner’s car, a visitor who trips over equipment at the job site. Most commercial projects require $1 million per occurrence / $2 million aggregate limits. The average roofing contractor pays about $267/month. General contractors demand a certificate of insurance before you step on their property.
- Workers’ Compensation Insurance— Falls happen. Equipment fails. Heat exhaustion hits mid-July. Workers’ comp covers your crew’s medical bills, rehabilitation, and lost wages. Required in 49 states for contractors with employees, and California mandates it even for sole proprietors. Rates typically run $9.90–$15.25 per $100 of payroll, reaching $24–$80 in high-risk states. Your experience modification rate (EMR) and NCCI classification code directly affect your premium.
- Commercial Auto Insurance — Your personal auto policy will not cover an accident in a work truck. Commercial auto protects business-owned vehicles, trailers, and equipment haulers. Construction businesses pay approximately $173/month.
- Inland Marine / Tools & Equipment — Nail guns, ladders, harnesses, and compressors travel from site to site daily. Inland marine coverage protects your gear on the roof, in the truck, or locked in a trailer overnight — approximately $14/month.
- Umbrella / Excess Liability — When standard limits are not enough. Many general contractors require at least $2 million in total coverage before you can bid commercial work. Umbrella insurance bridges that gap.
- Business Owner’s Policy (BOP) — Bundles general liability with commercial property and business interruption coverage at a discount. Ideal for small to mid-sized roofing operations at approximately $98/month.
- Builders Risk — Covers materials and structures during active construction. If a half-finished roof takes storm damage, builders risk pays for the loss.
- Professional Liability (E&O) — Protects against claims of faulty workmanship or errors that surface months after the job is done.
- Surety Bonds — Many states require a contractor’s license bond before issuing your roofing license. Bid bonds and performance bonds may be required for commercial projects.
- Subcontractor Insurance — If you hire an uninsured sub and they get hurt on your job, their claim falls under your workers’ comp policy. Require a COI from every subcontractor and be listed as additional insured.
- Cyber Liability — If you store customer payment data or use cloud-based estimating software, you are exposed to data breaches. Cyber coverage handles recovery costs and legal fees.
Why the Right Roofing Insurance Coverage Matters
Roofing ranks among the three deadliest civilian occupations in the country. In 2023, 134 roofers died on the job and fall protection violations topped OSHA’s most-cited list for the 14th straight year. Penalties for roofing contractors exceeded $687,000 in individual cases during 2024.
But it is not just about safety. Your insurance affects your ability to earn. General contractors demand a certificate of insurance before you start work. States require proof of coverage before issuing licenses or permits. Commercial clients increasingly require carriers with an AM Best A- rating or better.
A single uninsured accident can produce six-figure medical bills, lawsuits, and OSHA penalties, enough to shut a roofing company down overnight. The right insurance keeps you in business.
How We Make Roofing Contractor Insurance Simple
Tell us about your business. Crew size, roofing types, states of operation, current coverage. Ten minutes by phone or online form.
We shop multiple carriers for you. We are independent. That matters. We compare options from multiple A-rated carriers and assemble the best combination of coverage and price for the way your business actually operates. One carrier might offer the best GL rate. Another might have a more competitive workers’ comp program. We find the right mix.
Get covered and get back to work. You pick the plan. We handle paperwork. Your COI is issued — often the same day — and you are cleared to bid on your next job. Need an additional insured endorsement? We take care of that too.
Why Roofing Contractors Choose The Allen Thomas Group
- Independent, Not Captive. More carrier options, better pricing, and coverage built around your business — not what one insurer happens to sell.
- 20+ Years of Contractor Expertise. Startup coverage, multi-state expansions, audit disputes, complex claims. We have seen it all.
- Licensed in 27 States. Ohio to Florida, Midwest to Southeast. We write coverage wherever your crews work and understand local requirements in each state.
- CISR-Designated Professionals. A higher standard of technical knowledge on every policy and every claim.
- Real Claims Support. No chatbot. No call center. A real person who knows your policy and fights for a fair outcome..Bundling Saves 20–28%. Package your GL, workers’ comp, commercial auto, and equipment coverage together and we will show you exactly where the savings are.
Protect Your Roofing Business Today
You built this business with your hands. You earned your reputation one roof at a time. The right insurance makes sure one bad day, one accident, one lawsuit, one storm, does not take it all away.
Get your free roofing contractor insurance quote from The Allen Thomas Group.
Call us at (440) 826-3676 or request a quote online. We will find the coverage your business needs at a price that works.
Frequently Asked Questions
What insurance does a roofing contractor need?
At minimum, general liability and workers’ compensation. Beyond that, your state, crew size, and project types determine whether you also need commercial auto, inland marine, umbrella liability, builders risk, professional liability, surety bonds, a BOP, or subcontractor insurance requirements. We help you sort out exactly what makes sense for your operation.
How much does roofing contractor insurance cost?
Every business is different. General liability typically costs around $267/month. Workers’ comp runs $9.90–$15.25 per $100 of payroll through private carriers. Commercial auto averages $173/month. A BOP runs about $98/month. Bundling through an independent agency like ours often cuts the total by 20–28%.
Why is roofing insurance more expensive than other trades?
Because the risks are higher. Roofers work at heights, in harsh weather, with heavy materials. When claims happen, they tend to be severe. Roofing ranks among the three deadliest occupations, and workers’ comp rates reflect that reality. The best way to manage costs is a clean safety record and an independent agency that shops multiple carriers.
Do I need workers' comp if I'm a sole proprietor with no employees?
In most states, no. But California requires it for all roofing contractors regardless of employees, and Florida mandates it for all construction businesses. Practically speaking, many general contractors require proof of workers’ comp before letting you on-site — even if you work alone. A ghost policy can satisfy that requirement at minimal cost.
How fast can I get a certificate of insurance?
Often the same day your policy is bound. Additional insured endorsements are handled quickly too. You should never lose a project over paperwork.
What happens if I hire an uninsured subcontractor?
Their injury claim falls under your workers’ comp policy. At audit, the insurer adds their payroll to your premium — and the bill can be thousands more than expected. The fix: require a COI from every sub, and make sure you are listed as additional insured on their policy.