Roofing Contractor Business Insurance: Required Coverages Explained
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
Roofing contractors face unique risks on every project—from falls and equipment damage to client disputes. Having the right business insurance is not just smart; it’s often required by law, clients, or licensing boards. This guide explains the required coverages for roofing contractors, how each protects your business, and how Wexford Insurance can help you get a quote.
Why Roofing Contractors Need Business Insurance
Roofing is considered a high-risk industry, which makes insurance essential. Contractors without proper coverage may face:
Lawsuits for property damage or injury
High out-of-pocket medical or repair costs
Contract or licensing issues
Read More: Learn why insurance is mandatory for roofing contractors: NRCA Insurance Resources.
Required and Recommended Roofing Contractor Insurance Coverages
Protects against third-party injuries or property damage caused during roofing work. Most clients require proof of liability coverage before hiring a contractor.
Covers medical expenses and lost wages for employees injured on the job. Required in most states if you have employees.
Find Out: State-specific workers’ compensation requirements: U.S. Department of Labor – Workers’ Compensation.
Covers vehicles used to transport tools, materials, and employees. Standard personal auto policies typically do not cover business-related roofing activity.
Protects valuable roofing tools and machinery against theft, fire, or damage.
Covers claims resulting from faulty workmanship, project disputes, or design errors.
How to Get Roofing Contractor Business Insurance
Assess Your Risks – Identify the types of coverage your roofing business needs based on services offered, employees, and vehicles.
Gather Business Details – Include years in business, annual revenue, payroll, and claims history.
Compare Quotes From Specialists – Roofing contractors benefit from working with insurers experienced in high-risk trades.
Select Coverage and Receive Certificates – Once insured, certificates verify your coverage to clients, general contractors, and municipalities.
Get a Roofing Insurance Quote From Wexford Insurance
Wexford Insurance specializes in roofing contractor business insurance. Their team works with multiple carriers to provide competitive quotes, even for high-risk operations. Whether you are starting a new roofing business or updating your existing coverage, Wexford Insurance can help you secure the right protection quickly.
