Roofing Contractor Insurance

Protect your roofing business with Insurance Alliance's specialized roofing contractor insurance, serving Washington, Florida, Arizona, Texas, and Idaho. Our tailored policies safeguard against unique industry risks, ensuring comprehensive coverage and peace of mind. Rely on our expert team to navigate state-specific requirements, delivering competitive rates. Choose Insurance Alliance for reliable protection, minimize liability, and maximize business growth. Your trusted partner in roofing contractor insurance. Contact us to secure your future.

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Risks Roofers Face

Falls from height – The leading cause of serious injury and death in roofing work.
Tool and equipment injuries – Includes nail gun mishaps, cuts, and crush injuries.
Weather-related hazards – Sudden changes, heat, lightning, or high winds impacting safety.
Exposure to hazardous materials – Asbestos, mold, chemicals, and dust can pose health risks.
Legal and financial liability – Property damage, contract disputes, or lack of insurance coverage.
Musculoskeletal strain – From lifting, repetitive motion, and physically demanding tasks.
Theft or loss of tools and materials – Leading to project delays and increased costs.
Skilled labor shortages – Difficulty finding and keeping qualified workers impacts productivity.

Core Coverages

General Liability Insurance
- Covers third-party bodily injury, property damage, and legal fees.
- Essential for protecting against customer claims or job site accidents.
Workers' Compensation Insurance
- Covers medical expenses and lost wages for injured employees.
- Legally required in most states when you have employees.
Commercial Auto Insurance
- Covers vehicles used for transporting tools, materials, and workers.
- Includes liability, collision, and comprehensive coverage.
Tools and Equipment Coverage
- Protects against theft, loss, or damage to tools and equipment on or off the job site.
Professional Liability Insurance (Errors & Omissions)
- Covers claims related to faulty work, design errors, or professional negligence.
Roofing Contractor Surety Bond (License & Permit Bond)
- Required by many states or municipalities to legally operate.
- Guarantees that the contractor will follow building codes and regulations.
Performance Bond
- Guarantees that work will be completed according to the contract.
- Often required for commercial or government projects.
Commercial Property Insurance
- Covers damage to office buildings, storage yards, or warehouses used by the business.