What Kind of Insurance Do I Need for a Roofing Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Aug 12
- 2 min read
Updated: Aug 15
If you're starting or scaling a roofing business, one of the most important investments you can make is in the right insurance coverage. Roofing is a high-risk industry, and without proper protection, a single accident or lawsuit could put your entire business at risk.
At Wexford Insurance, we specialize in helping roofing contractors like you find tailored insurance solutions that protect your business, your employees, your equipment, and your clients. In this guide, we’ll break down the essential types of insurance every roofing business should consider.
Roofing involves working at heights, using heavy equipment, and being exposed to unpredictable weather conditions. These factors increase the likelihood of accidents, property damage, and liability claims. Insurance not only protects your business financially but also builds trust with clients and helps you meet licensing or contract requirements.
Essential Insurance Coverage for Roofing Contractors
This is the foundation of any roofing insurance policy. It covers:
Third-party bodily injury
Property damage
Legal fees and settlements
If you have employees, most states require you to carry workers’ comp. It covers:
Medical expenses for work-related injuries
Lost wages during recovery
Disability or death benefits
Roofing businesses often rely on trucks or vans to transport materials and crews. This coverage protects your vehicles and drivers in case of:
Accidents
Theft or vandalism
Property damage
Your tools are essential to your work. This policy covers:
Theft or loss of tools
Damage from accidents or weather
Replacement costs
If you own or lease a building for your office or storage, this coverage protects against:
Fire
Theft
Storm damage
While choosing insurance, roofing business owners often make costly mistakes. Here are a few to watch out for:
Underinsuring your business: Choosing low coverage limits to save money can backfire during a major claim.
Not updating your policy: As your business grows, your insurance should evolve too—especially if you hire more employees or invest in new equipment.
Skipping coverage for subcontractors: If you work with subcontractors, make sure they carry their own insurance or are covered under your policy.
Ignoring exclusions: Always read the fine print. Some policies exclude high-risk activities like torch-down roofing or steep slope work.
Avoiding these mistakes can save you thousands and ensure your business is truly protected.
Why Choose Wexford Insurance?
At Wexford Insurance, we understand the unique risks roofing contractors face. We work with top-rated carriers to provide:
Customized insurance packages
Competitive rates
Fast, friendly service
Industry-specific expertise
Whether you're just starting out or expanding your crew, we’re here to help you protect what matters most.
Final Thoughts
Running a roofing business comes with risks—but with the right insurance, you can focus on growing your company with confidence. At Wexford Insurance, we’re committed to helping you find the best coverage for your needs.
