How Much Does It Cost to Start a Roofing Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Aug 12
- 3 min read
Updated: Aug 19
Starting a roofing business can be a rewarding venture—but it’s not without its costs. From tools and trucks to insurance and marketing, understanding your startup expenses is key to launching successfully and staying profitable.
At Wexford Insurance, we specialize in helping roofing contractors protect their investment with tailored insurance solutions. In this guide, we’ll break down the typical costs of starting a roofing business and explain why budgeting for insurance is one of the smartest moves you can make.
Startup Costs for a Roofing Business
The total cost to start a roofing business typically ranges from $20,000 to $100,000, depending on your location, business size, and whether you lease or purchase equipment. Here's a breakdown of the major expenses:
1. Equipment and Tools
Expect to spend $5,000 to $15,000 on essential tools and safety gear. This includes:
Roofing hatchets, nail guns, ladders, and harnesses
Safety equipment like PPE and fall protection kits
Power tools and commercial-grade equipment for larger jobs
2. Licensing and Permits
Licensing requirements vary by state. Some states require a roofing license, while others only require registration.
Cost range: $1,000–$5,000
May include exams, bonding, and proof of insurance
3. Insurance Coverage
Insurance is not just a legal requirement in many states—it’s essential protection for your business. Key policies include:
General Liability Insurance: ~$3,590/year
Workers’ Compensation: ~$9,690/year
Commercial Auto Insurance: ~$1,685/year
Tools & Equipment Coverage: ~$500/year
Commercial Property Insurance: ~ $31–$67/month or $372–$804/year
4. Marketing and Branding
To attract clients, you’ll need a strong online and local presence. First-year marketing costs can range from $5,000 to $15,000, including:
Website development
Local SEO and Google Business Profile setup
Paid ads and social media campaigns
Build Your Brand Without Breaking the Bank
Starting a roofing business means balancing costs while building a strong brand presence. Contractor Back Office helps you do both by managing bids & estimates, website and social media management. With our support, you can market your services professionally—without overspending on admin tasks.
5. Labor and Payroll
If you’re hiring a crew, labor will be one of your biggest expenses—often 30% to 50% of your total budget.
Wages for roofers, apprentices, and admin staff
Payroll taxes and benefits
Training and safety certifications
6. Transportation and Vehicles
You’ll need at least one reliable truck or van to transport materials and equipment.
Used work truck: $10,000–$25,000
Vehicle insurance: Included in commercial auto policy
Fuel and maintenance: Ongoing monthly costs
Why Insurance Should Be a Priority
Many new roofing contractors underestimate the importance of insurance—until something goes wrong. Whether it’s a ladder fall, a damaged client property, or a stolen tool trailer, the right coverage can save your business from financial disaster.
At Wexford Insurance, we help roofing startups:
Meet state licensing requirements
Protect against lawsuits and jobsite accidents
Get affordable, customized coverage from top-rated carriers
Final Thoughts
Starting a roofing business requires a solid financial plan—and insurance should be at the top of your list. By understanding your startup costs and protecting your investment, you’ll be better prepared to grow a successful, sustainable company.
