How to Get Roofing Contractor Business Insurance for Your Roofing Company
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 days ago
- 2 min read
Running a roofing company comes with serious risks, from on-the-job injuries to property damage and contract disputes. Roofing contractor business insurance is not just a smart investment, it is often a requirement to operate legally and win commercial or residential jobs. This guide explains how to get the right coverage, and what policies you need to safeguard your roofing business.
What Is Roofing Contractor Business Insurance?
Roofing contractor business insurance is a collection of policies designed to protect roofing companies from financial losses related to accidents, lawsuits, property damage, and employee injuries. Because roofing is considered a high-risk trade, insurers evaluate coverage carefully based on experience, safety practices, and payroll.
Why Roofing Companies Need Specialized Insurance
Roofing work involves heights, tools, heavy materials, and exposure to weather conditions. General business insurance is not enough. Most clients, municipalities, and general contractors require proof of insurance before allowing work to begin.
Required and Common Roofing Insurance Coverages
Covers third-party property damage and bodily injury claims. This is required by most clients and licensing boards.
Required in most states if you have employees. Covers medical expenses and lost wages for work-related injuries.
Covers trucks and vans used to transport tools, ladders, and materials to job sites.
Protects against theft or damage to roofing tools and machinery.
Helps cover claims related to faulty workmanship or project disputes.
How to Get Roofing Contractor Business Insurance
Step 1: Gather Your Business Information
Insurers will typically ask for:
Years in business
Roofing services offered
Annual revenue
Payroll and number of employees
Prior insurance and claims history
Step 2: Work With an Insurance Specialist
Roofing insurance is not one-size-fits-all. Working with an agency that specializes in contractor insurance helps you avoid coverage gaps and overpaying.
A knowledgeable agent will help you balance coverage limits, deductibles, and premiums based on your risk level and contract requirements.
Step 4: Secure Certificates of Insurance
Once insured, you will receive certificates of insurance to provide to clients, general contractors, and permitting offices.
Get a Roofing Insurance Quote From Wexford Insurance
Wexford Insurance specializes in roofing contractor business insurance and understands the challenges roofers face. Their team works with multiple carriers to help roofing companies find competitive coverage, even for higher-risk operations.
If you are starting a new roofing business or looking to improve your current coverage, Wexford Insurance can help you get a fast, customized quote designed for your specific trade and state requirements.
