Roofing Business Insurance Quotes: Tips Contractors Need to Know

For roofing contractors, understanding insurance costs starts with getting a roofing insurance quote. Quotes are more than just numbers—they help you plan your budget, understand coverage needs, and qualify for contracts. This guide focuses entirely on the quote process, tips to save money, and how Wexford Insurance can help you get insured quickly.

Why a Roofing Insurance Quote Matters

A quote is your roadmap to protection. Without one, you won’t know how much coverage will cost, which policies you need, or how to meet client requirements.

Getting a quote also:

• Helps you plan cash flow

• Highlights potential coverage gaps

• Shows options from multiple carriers

Factors That Affect Your Roofing Insurance Quote

When requesting a quote, insurers consider several factors:

1. Business Size & Payroll – More employees = higher workers’ comp costs.

2. Annual Revenue – Larger projects increase liability exposure.

3. Services Offered – Roof replacement vs. minor repairs affects risk.

4. Claims History – Previous claims can increase premiums.

5. Safety Practices – Proper training, fall protection, and certifications can lower rates.

Step-by-Step: How Roofing Contractors Can Get an Accurate Quote

Step 1: Prepare Your Business Info

Insurers will ask for:

• Type of roofing services

• Years in business

• Employee count and payroll

• Vehicle usage

• Tools & equipment inventory

Step 2: Identify Your Coverage Needs

List what policies you need: general liability, workers’ compensation, commercial auto, tools/equipment, or professional liability.

REQUEST A FREE QUOTE

Step 3: Compare Quotes From Multiple Providers

Use agencies or online tools to see:

• Coverage limits

• Premium costs

• Deductibles

• Policy exclusions

Step 4: Ask About Discounts

Some ways to save:

• Bundling multiple policies

• Implementing safety programs

• Paying annual premiums upfront

Step 5: Finalize the Policy

Once you choose the best quote, you’ll receive certificates of insurance for clients, contractors, and permits.

How Wexford Insurance Helps Contractors Get Quotes Fast

Wexford Insurance specializes in roofing contractor insurance quotes. Their team works with multiple carriers to:

• Provide competitive quotes tailored to your business

• Advise on coverage gaps

• Deliver certificates of insurance quickly

Get a Quote Today from Wexford Insurance

FAQs

1. How do I get roofing contractor business insurance for my roofing company?

2. What factors affect the cost of insurance for a roofing business?

3. What insurance coverages are required for roofing contractor businesses?