{"id":48584,"date":"2025-01-28T14:45:31","date_gmt":"2025-01-28T13:45:31","guid":{"rendered":"https:\/\/invoicefly.com\/?p=48584"},"modified":"2026-02-19T14:40:11","modified_gmt":"2026-02-19T13:40:11","slug":"como-contratar-su-seguro-para-empresas-de-tejados-y-cubiertas","status":"publish","type":"post","link":"https:\/\/invoicefly.com\/es\/academy\/how-to-get-your-roofing-insurance\/","title":{"rendered":"Seguro de tejado: cobertura, costes y mejores proveedores"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"48584\" class=\"elementor elementor-48584\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc9c239 e-flex e-con-boxed e-con e-parent\" data-id=\"bc9c239\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e4e3e1b elementor-widget elementor-widget-text-editor\" data-id=\"e4e3e1b\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>What kind of insurance should a roofing contractor have? Roofing is tough and risky work. Roofers have to deal with working at great heights, handling heavy tools, and facing unpredictable weather. Job sites can be full of dangers. Just one accident, theft of your tools, or a customer getting hurt could cost you thousands of dollars unless you\u2019re properly protected.<\/p><p>That\u2019s why roofing insurance is important. With the right insurance coverage, your tools, workers, vehicles, and business are protected if something unexpected happens. Plus, many homeowners and general contractors won\u2019t even hire you unless you can prove you\u2019re insured.<\/p><p>This guide explains what types of insurance roofers need, how much it usually costs, and which roofing insurance companies offer the best coverage. It also shows you how to file a claim if something goes wrong and gives tips on how to save money on insurance while staying protected.<\/p><p>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"67268\" class=\"elementor elementor-67268\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-3138132 e-flex e-con-boxed e-con e-parent\" data-id=\"3138132\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e9bb9f2 e-con-full e-flex e-con e-child\" data-id=\"e9bb9f2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ef3a71f e-con-full e-flex e-con e-child\" data-id=\"ef3a71f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0d7a02 elementor-widget elementor-widget-heading\" data-id=\"c0d7a02\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Get Started with Invoice Fly&#8217;s Software<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-472498a elementor-widget elementor-widget-text-editor\" data-id=\"472498a\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Invoice Fly is a smart, fast, and easy-to-use invoicing software designed for freelancers, contractors, and small business owners. Create and send invoices, track payments, and manage your business \u2014 all in one place.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c264baf elementor-align-left elementor-widget elementor-widget-button\" data-id=\"c264baf\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invoicefly.onelink.me\/AeUs\/qohijf8g\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9c32b8 e-con-full e-flex e-con e-child\" data-id=\"a9c32b8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0915656 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"0915656\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"710\" height=\"643\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-710x643.png\" class=\"attachment-keydesign-medium-image size-keydesign-medium-image wp-image-23031\" alt=\"Invoice Payments - Accept Payments Online\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-710x643.png 710w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-300x272.png 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-1024x928.png 1024w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-768x696.png 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1.png 1255w\" sizes=\"(max-width: 710px) 100vw, 710px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p><p>\u00a0<\/p><p><img decoding=\"async\" class=\"alignnone size-full wp-image-82768\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/01\/roofing-contractor-on-roof.jpg\" alt=\"insured roofing contractor on roof\" width=\"1000\" height=\"560\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/01\/roofing-contractor-on-roof.jpg 1000w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/01\/roofing-contractor-on-roof-300x168.jpg 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/01\/roofing-contractor-on-roof-768x430.jpg 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/01\/roofing-contractor-on-roof-710x398.jpg 710w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p><h2><strong>General Liability Roofing Insurance<\/strong><\/h2><p>So, what insurance should a roofing contractor have? Experts typically recommend that all contractors carry general liability coverage, including roofers. For some contractors, this may be enough protection for their business; however, the work conducted by roofers poses more risks than other contractors and therefore requires more coverage.<\/p><p><strong>What it covers:<\/strong> General liability insurance is one of many policies recommended for roofing contractors as it covers third party injuries, either to property or non-employee individuals, which is a common concern for roofing projects. This is important coverage for all roofers to have, but nonetheless not the sole roofing insurance policy needed to work on a roofing jobsite safely.<\/p><p><strong>Why it matters:<\/strong> General liability insurance for roofers is one of several recommended policies for contractors<span style=\"color: inherit; font-family: inherit; font-size: inherit; font-style: inherit; font-weight: inherit; letter-spacing: inherit; text-align: inherit; text-transform: inherit;\">. It covers third-party injuries to property or to non-employee individuals, both common concerns on roofing projects.<\/span><\/p><p>Claims can arise from hazards such as:<\/p><ul><li>Falls from heights<\/li><li>Injuries while lifting or transporting heavy materials<\/li><li>Injuries from wall or roof collapses<\/li><li>Being struck by falling or moving objects<\/li><li>Exposure to pollutants<\/li><\/ul><p>This coverage is essential for all roofers, but it\u2019s not the only insurance policy needed to work safely on a roofing job site.<\/p><h2>Types of Insurance Roofers Should Have<\/h2><p>Besides General Liability Insurance, roofers should consider the list of recommended insurance below. Each type of insurance covers different risks you face every day on the job.<\/p><h3><strong>1. Roofing Workers\u2019 Compensation Insurance (WC)<\/strong><\/h3><p><strong>What it covers:<\/strong> Medical bills, rehabilitation costs, and lost wages if your workers get injured on the job.<\/p><p><strong>Why you need it:<\/strong> <a href=\"https:\/\/www.ishn.com\/articles\/112748-top-25-most-dangerous-jobs-in-the-united-states\">Roofing is dangerous work<\/a> with risks of falls, heavy materials, and extreme weather. Most states legally require WC if you have even one employee.<\/p><p><strong>Important:<\/strong> Even if a worker is labeled as a 1099 subcontractor, your state might still require you to cover them. Always check local laws carefully.<\/p><h3><strong>2. Commercial Auto Insurance for Roofers<\/strong><\/h3><p><strong>What it covers:<\/strong> Vehicles used for work, like trucks and vans, including accidents, damage, and theft.<\/p><p><strong>Why personal insurance isn\u2019t enough:<\/strong> Most personal auto policies won\u2019t cover vehicles when used for business purposes like hauling tools or materials.<\/p><p><strong>When you need it:<\/strong> If you drive to job sites, tow trailers, or transport equipment, commercial auto insurance is a must.<\/p><h3><strong>3. Tools &amp; Equipment Insurance for Roofing<\/strong><\/h3><p><strong>What it covers:<\/strong> Portable <a href=\"https:\/\/invoicefly.com\/academy\/roofing-tools\/\">roofing tools<\/a> and equipment like nail guns, compressors, generators, even if they\u2019re stolen from a locked trailer or damaged on the job.<\/p><p><strong>Why you need it:<\/strong> Tool theft and damage are very common in roofing. This insurance helps you replace gear quickly without huge out-of-pocket costs.<\/p><p><strong>Pro tip:<\/strong> Maintain a detailed inventory of your tools with serial numbers, purchase dates, and values to avoid underinsuring.<\/p><h3><strong>4. Commercial Property Insurance (or Business Owner\u2019s Policy)<\/strong><\/h3><p><strong>What it covers:<\/strong> Your business premises (office, warehouse), stored materials (like shingles), and fixed equipment against fire, theft, or certain weather damage.<\/p><p><strong>Why it matters:<\/strong> Even if you rent your workspace, your tools and materials can be vulnerable to loss.<\/p><p><strong>BOP meaning:<\/strong> A bundled policy combining General Liability and Property Insurance, often offering small businesses a discount.<\/p><h3><strong>5. Roofing Professional Liability Insurance (Errors &amp; Omissions, or E&amp;O)<\/strong><\/h3><p><strong>What it covers:<\/strong> Mistakes in advice, consultation, design, or specifications that lead to financial loss or damage.<\/p><p><strong>Example:<\/strong> You recommend a roofing system that later leaks because of incorrect specifications. E&amp;O insurance helps cover rework costs or legal fees.<\/p><p><strong>Why roofers need it:<\/strong> If you provide design, consultation, or warranty advice, this coverage protects you from claims based on errors or omissions.<\/p><h3><strong>6. Surety Bonds<\/strong><\/h3><p><strong>What it covers:<\/strong> Guarantees that you will fulfill contractual obligations, pay subcontractors and suppliers, and follow regulations.<\/p><p><strong>Why you need it:<\/strong> Bonds are often required for licensing, public works, commercial projects, and sometimes even large private jobs.<\/p><p><strong>How it works:<\/strong> If you fail to meet contract terms, the surety company pays your client, then seeks reimbursement from you.<\/p><h3><strong>7. Umbrella or Excess Liability Insurance<\/strong><\/h3><p><strong>What it covers:<\/strong> Extra liability protection that kicks in once your other policy limits (like GL or WC) are exceeded.<\/p><p><strong>Why it matters:<\/strong> One large lawsuit can easily surpass $1 million. Umbrella policies add $1 to $5 million in additional coverage for a relatively low cost, providing a crucial safety net for high-risk or large projects.<\/p><p><img decoding=\"async\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/01\/roofing-insurance.jpg\" alt=\"roofing insurance\" width=\"1000\" height=\"667\" \/><\/p><h2><strong>Why Roofers Need Insurance<\/strong><\/h2><p>Insurance isn\u2019t just a good idea, but a must for roofers.<\/p><ol><li><strong>It gives you financial protection: <\/strong>If someone trips over your ladder, or if your crew accidentally drops a tool that damages a client\u2019s car, insurance helps pay the bill so you don\u2019t have to cover everything yourself.<\/li><li><strong>It gives you legal protection: <\/strong>Most states and many cities require roofers to have certain types of insurance, especially General Liability and Workers\u2019 Compensation. If you don\u2019t have these, you could face fines or even be banned from working on jobs.<\/li><li><strong>It proves you are trustworthy: <\/strong>Being \u201cbonded and insured\u201d shows clients that you run a trustworthy, reliable business. It can be the difference between getting hired or being passed over. Insurance should be one of the first things you consider when <a href=\"https:\/\/invoicefly.com\/academy\/how-to-start-a-roofing-company\/\">starting a roofing business<\/a>.<\/li><\/ol><h2>What Does \u201cBonded and Insured\u201d Mean?<\/h2><p>When you hear the terms \u201cbonded and insured,\u201d it\u2019s important to understand what each one means and what the difference is, especially in roofing and contracting.<\/p><p><strong>Insured<\/strong> means your business has insurance policies that pay for certain problems, like accidents, injuries, or property damage. For example, if something goes wrong on a job and there\u2019s an accident, your insurance can help cover the costs.<\/p><p><strong>Bonded<\/strong> means a company (called a <a href=\"https:\/\/www.nasbp.org\/about\/about-surety\/what-are-surety-companies\/\">surety company<\/a>) promises your client that you will finish the job properly and follow the contract. If you don\u2019t finish the job or if you break the contract, the surety company will pay your client, but then you have to pay the surety company back.<\/p><p>Bonds are often required for public jobs, such as work on schools or government buildings. Sometimes, homeowners or private clients ask for bonds too, especially on larger or more expensive projects.<\/p><h2><strong>Roofing Insurance Cost Estimates<\/strong><\/h2><p>Roofing insurance can get expensive but it\u2019s a lot cheaper than paying for accidents, injuries, or lawsuits out of pocket. The total cost depends on things like how many workers you have, what kind of jobs you do, and where your business is located.<\/p><p>Here are the main factors that affect your roofing insurance costs:<\/p><ul><li><strong>Payroll size and number of employees<\/strong><\/li><li><strong>Job type<\/strong> (residential vs. commercial)<\/li><li><strong>Claims history<\/strong> (Have you had past accidents or lawsuits?)<\/li><li><strong>Location<\/strong> (High-risk weather or theft areas may cost more)<\/li><li><strong>Safety programs<\/strong> and <strong>driver records<\/strong> (Safer companies often get better rates)<\/li><\/ul><h3><strong>Average Monthly Costs by Policy Type<\/strong><\/h3><table><tbody><tr><td><p><strong>Policy Type<\/strong><\/p><\/td><td><p><strong>Estimated Monthly Cost<\/strong><\/p><\/td><\/tr><tr><td><p><strong>General Liability<\/strong><\/p><\/td><td><p>$200 \u2013 $350<\/p><\/td><\/tr><tr><td><p><strong>Workers\u2019 Comp<\/strong><\/p><\/td><td><p>$9.90 \u2013 $15.25 per <strong>$100 of payroll<\/strong><\/p><\/td><\/tr><tr><td><p><strong>Commercial Auto<\/strong> (per truck)<\/p><\/td><td><p>$140 \u2013 $220<\/p><\/td><\/tr><tr><td><p><strong>Tools &amp; Equipment<\/strong><\/p><\/td><td><p>$10 \u2013 $25<\/p><\/td><\/tr><tr><td><p><strong>Commercial Property \/ BOP<\/strong><\/p><\/td><td><p>$80 \u2013 $150<\/p><\/td><\/tr><tr><td><p><strong>Umbrella Policy<\/strong> ($1M\u2013$2M)<\/p><\/td><td><p>$60 \u2013 $150<\/p><\/td><\/tr><tr><td><p><strong>Professional Liability (E&amp;O)<\/strong><\/p><\/td><td><p>$50 \u2013 $120<\/p><\/td><\/tr><tr><td><p><strong>Surety Bonds<\/strong><\/p><\/td><td><p>Varies by bond amount and your credit score<\/p><\/td><\/tr><\/tbody><\/table><p><em>Disclaimer: These estimates are for educational purposes only. Verify costs with the provider of your choosing before buying insurance.<\/em><\/p><h3><strong>Tips to Lower Your Insurance Costs:<\/strong><\/h3><ul><li><strong>Bundle<\/strong> policies with one provider<\/li><li><strong>Keep claims low<\/strong> by following safety rules and using protective equipment<\/li><li><strong>Train your workers<\/strong> regularly, especially on ladder and fall safety<\/li><li><strong>Keep good records<\/strong> including driver logs, tool lists, and safety training<\/li><\/ul><h2><strong>How to Get Roofing Insurance Step-by-Step<\/strong><\/h2><p>Whether you&#8217;re a solo roofer or running a growing crew, here\u2019s how to get the right roofing insurance coverage.<\/p><h3><strong>Step 1: Understand What Needs Protection<\/strong><\/h3><p>Before you shop for insurance, take time to list out the risks in your business. Think about what you have and what your work involves.<\/p><ul><li>The type of environment you work in<\/li><li>Employees or subcontractors who work under you<\/li><li>Trucks, vans, or trailers used for jobs<\/li><li>Expensive tools and materials stored on-site or in a warehouse<\/li><li>Any design work or roofing system advice you provide<\/li><li>A rented or owned office, shop, or storage space<\/li><\/ul><p>Knowing what you need to protect helps you choose the right types of insurance, so you aren\u2019t left vulnerable if something goes wrong.<\/p><h3><strong>Step 2: Learn What Your State or City Requires<\/strong><\/h3><p>Insurance laws and contractor requirements vary by location. Check with your state contractor licensing board or local building department to find out:<\/p><ul><li>If you need a <a href=\"https:\/\/invoicefly.com\/academy\/how-to-get-your-roofing-license\/\">roofing contractor license<\/a> or registration<\/li><li>What types of insurance are required<\/li><li>Minimum coverage limits<\/li><li>Whether you need a surety bond<\/li><li>Extra rules for public or commercial projects<\/li><\/ul><p>Some areas may also require you to show proof of coverage before issuing permits.<\/p><h3><strong>Step 3: Compare Roofing Insurance Quotes<\/strong><\/h3><p>Don\u2019t just go with the first offer. The cheapest insurance isn&#8217;t always the best for roofers. Get roofing insurance quotes from at least two or three insurance companies. When comparing, pay attention to:<\/p><ul><li><strong>Coverage limits:<\/strong> The maximum amount your policy will pay for a claim<\/li><li><strong>Deductibles:<\/strong> The amount you must pay before insurance covers the rest<\/li><li><strong>Exclusions:<\/strong> What is not covered under the policy<\/li><li><strong>Endorsements:<\/strong> Extra features or customizations some clients might ask for (like adding a general contractor as \u201cAdditional Insured\u201d)<\/li><\/ul><p>Also, understand the difference between:<\/p><ul><li><strong>Occurrence-based policies:<\/strong> Cover incidents that happen while your policy is active even if the claim is filed later<\/li><li><strong>Claims-made policies:<\/strong> Only cover claims filed while the policy is active<\/li><\/ul><p>For roofers, occurrence-based coverage is often the better choice.<\/p><p>Ask the insurance agent whether they specialize in roofing. Some companies don\u2019t cover steep-slope or high-risk roofing work.<\/p><h3><strong>Step 4: Bundle Policies for Savings<\/strong><\/h3><p>Many insurance providers offer discounts if you buy multiple policies from them. For example, you can often bundle:<\/p><ul><li>General Liability<\/li><li>Property Insurance<\/li><li>Commercial Auto Insurance<\/li><\/ul><p>You can also add:<\/p><ul><li><strong>Umbrella Insurance:<\/strong> Adds extra protection above your basic liability limits<\/li><li><strong>Tools and Equipment Insurance:<\/strong> Covers gear that\u2019s stolen or damaged<\/li><\/ul><p>Bundling can save money and make things easier by giving you just one provider to deal with.<\/p><h3><strong>Step 5: Review and Update Your Coverage Each Year<\/strong><\/h3><p>As your business grows or changes, your insurance should keep up. Review your policies at least once a year and ask yourself:<\/p><ul><li>Have I hired more workers?<\/li><li>Did I add or replace any vehicles?<\/li><li>Am I <a href=\"https:\/\/invoicefly.com\/academy\/how-to-bid-a-roofing-job\/\">bidding larger roofing jobs<\/a>?<\/li><li>Have I added new services like roof coatings or solar panel installation?<\/li><li>Do I own more tools or materials now?<\/li><\/ul><p>If your policy doesn\u2019t reflect your current business, you could be underinsured or overpaying for coverage you don\u2019t need. Annual reviews help you avoid expensive surprises.<\/p><h3><strong>Work With a Roofing Insurance Specialist<\/strong><\/h3><p>Some insurance companies are cautious about covering roofing companies, especially those doing steep or commercial roofs. That\u2019s why it helps to work with an insurance agent who understands roofing. They\u2019ll make sure you meet all the rules and help you avoid costly gaps in coverage.<\/p><p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2025\/01\/roofing-contractor-insurance.jpg\" alt=\"roofing contractor insurance\" width=\"1000\" height=\"667\" \/><\/p><h2><strong>What to Do If You Need to File an Insurance Claim<\/strong><\/h2><p>Accidents happen even with good planning and safety practices. If something goes wrong on the job, here\u2019s how to handle an insurance claim:<\/p><h3><strong>1. Make Sure Everyone is Safe<\/strong><\/h3><p>Before anything else, check on your crew, clients, or anyone involved. Get medical help right away if someone is hurt.<\/p><h3><strong>2. Take Photos of the Damage<\/strong><\/h3><p>Take clear photos showing what happened, where it happened, and any damage or injuries. This visual proof can help your claim go more smoothly.<\/p><h3><strong>3. Contact Your Insurance Company Immediately<\/strong><\/h3><p>Call your insurance provider as soon as you can. Most companies have a 24-hour claim line. Waiting too long could delay or even affect your claim.<\/p><h3><strong>4. Submit All Required Documents<\/strong><\/h3><p>Gather anything the insurance company may need, such as:<\/p><ul><li>Job contracts<\/li><li><a href=\"https:\/\/invoicefly.com\/free-resources\/free-generators\/free-receipt-generator\/\">Receipts<\/a><\/li><li>Photos<\/li><li>Estimates or invoices<\/li><li>Police reports (if there was theft or vandalism)<\/li><\/ul><p>The more complete your file is, the faster your claim will move forward. Proper document management is essential when running any kind of business. Using tools like our <a href=\"https:\/\/invoicefly.com\/free-resources\/free-generators\/free-estimate-generator\/\">free estimate generator<\/a> to create <a href=\"https:\/\/invoicefly.com\/academy\/how-much-does-a-new-roof-cost\/\">roofing estimates<\/a> will not only make you look much more professional, it will also make handling insurance claims easier.<\/p><h3><strong>5. Work With the Claims Adjuster<\/strong><\/h3><p>Your insurance company will likely assign a claims adjuster to investigate. Cooperate fully and respond quickly to their questions. This helps avoid delays or misunderstandings.<\/p><h3><strong>6. Learn and Improve<\/strong><\/h3><p>Once the claim is closed, take time to figure out what went wrong and how you can prevent it in the future. That could mean updating your safety practices, improving contracts, or increasing coverage in a certain area.<\/p><h2><strong>Best Roofing Insurance Companies (Updated for 2025)<\/strong><\/h2><p>Not all insurance companies are willing (or able) to cover roofing businesses. Because roofing work is high-risk, it\u2019s important to choose a provider that understands the industry and offers coverage built for the unique challenges roofers face.<\/p><p>Here are some of the top providers to consider in 2025:<\/p><ul><li><strong>Amwins Roofing Program<\/strong><\/li><\/ul><p>This program is designed specifically for roofing contractors. It\u2019s a strong option for companies that focus on commercial or multi-family jobs and need more complex or higher-limit coverage.<\/p><ul><li><strong>Affordable Contractors Insurance<\/strong><\/li><\/ul><p>ACI focuses on smaller roofing crews and independent contractors. It offers low-cost coverage that\u2019s simple to set up, making it a good fit for newer or budget-conscious businesses.<\/p><ul><li><strong>Gaslamp Insurance<\/strong><\/li><\/ul><p>Gaslamp is known for offering quick quotes and flexible coverage. It\u2019s a great choice if you\u2019re working on short-term or one-time jobs, or if you need something fast.<\/p><ul><li><strong>Pepper, Johnstone &amp; Co.<\/strong><\/li><\/ul><p>This company acts more like a broker. They help roofing contractors shop across multiple insurance carriers to find the best policy at the right price. They\u2019re helpful if you want options or need custom coverage.<\/p><ul><li><strong>The Hartford<\/strong><\/li><\/ul><p>The Hartford is a well-known national insurance company. They offer strong insurance bundles tailored to contractors who are growing and scaling their businesses. If you&#8217;re looking for long-term stability and a range of policies under one roof, they\u2019re worth considering.<\/p><h3><strong>Final Thoughts<\/strong><\/h3><p>Take the time to understand what coverage you need, check your state\u2019s rules, and get quotes from providers that understand the roofing industry. The right insurance can help you land bigger jobs, meet legal requirements, and sleep easier at night.<\/p><p>And while you&#8217;re tightening up the business side, make sure your paperwork is just as solid. <a href=\"https:\/\/invoicefly.com\/\"><strong>Invoice Fly<\/strong><\/a> is a simple tool that helps roofers send professional invoices with <a href=\"https:\/\/invoicefly.com\/product\/invoicing-software\/\">invoicing software<\/a>, get paid faster with <a href=\"https:\/\/invoicefly.com\/product\/online-payments\/\">online payments<\/a>, and stay organized with a <a href=\"https:\/\/invoicefly.com\/product\/client-portal\/\">client portal<\/a>. Software like Invoice Fly gives you less to worry about when you\u2019re already juggling crews, materials, and deadlines. Our <a href=\"https:\/\/invoicefly.com\/invoice\/templates\/\">invoice templates<\/a> offer you a great start to streamlining your business.<\/p><p>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"67268\" class=\"elementor elementor-67268\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-3138132 e-flex e-con-boxed e-con e-parent\" data-id=\"3138132\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e9bb9f2 e-con-full e-flex e-con e-child\" data-id=\"e9bb9f2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ef3a71f e-con-full e-flex e-con e-child\" data-id=\"ef3a71f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0d7a02 elementor-widget elementor-widget-heading\" data-id=\"c0d7a02\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Get Started with Invoice Fly&#8217;s Software<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-472498a elementor-widget elementor-widget-text-editor\" data-id=\"472498a\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Invoice Fly is a smart, fast, and easy-to-use invoicing software designed for freelancers, contractors, and small business owners. Create and send invoices, track payments, and manage your business \u2014 all in one place.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c264baf elementor-align-left elementor-widget elementor-widget-button\" data-id=\"c264baf\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invoicefly.onelink.me\/AeUs\/qohijf8g\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9c32b8 e-con-full e-flex e-con e-child\" data-id=\"a9c32b8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0915656 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"0915656\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"710\" height=\"643\" src=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-710x643.png\" class=\"attachment-keydesign-medium-image size-keydesign-medium-image wp-image-23031\" alt=\"Invoice Payments - Accept Payments Online\" srcset=\"https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-710x643.png 710w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-300x272.png 300w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-1024x928.png 1024w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1-768x696.png 768w, https:\/\/invoicefly.com\/wp-content\/uploads\/2024\/08\/mobile-mockup-3d-1.png 1255w\" sizes=\"(max-width: 710px) 100vw, 710px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4384d2 e-flex e-con-boxed e-con e-parent\" data-id=\"d4384d2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-963dbed elementor-widget elementor-widget-heading\" data-id=\"963dbed\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Roofing Insurance FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ce381f7 e-flex e-con-boxed e-con e-parent\" data-id=\"ce381f7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e35c831 elementor-widget__width-initial elementor-widget elementor-widget-elementskit-accordion\" data-id=\"e35c831\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69f2b3461daef\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-e35c831\">\n                        <a href=\"#collapse-8065b3c69f2b3461daef\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8065b3c69f2b3461daef\" aria-expanded=\"true\" aria-controls=\"Collapse-8065b3c69f2b3461daef\">\n                            \n                            <span class=\"ekit-accordion-title\">1. What PPE is required for roofing?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8065b3c69f2b3461daef\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-e35c831\" data-parent=\"#accordion-69f2b3461daef\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Roofers must use fall protection (like harnesses or guardrails) when working 6 feet or higher, per <a href=\"https:\/\/www.osha.gov\/personal-protective-equipment\">OSHA\u2019s PPE Guide<\/a>. Other essential PPE includes hard hats, safety glasses, gloves, non-slip boots, and hearing protection when using loud tools.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-e35c831\">\n                        <a href=\"#collapse-62fc7d969f2b3461daef\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-62fc7d969f2b3461daef\" aria-expanded=\"true\" aria-controls=\"Collapse-62fc7d969f2b3461daef\">\n                            \n                            <span class=\"ekit-accordion-title\">2. Should I call the roofer first or insurance?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-62fc7d969f2b3461daef\" class=\" show collapse\" aria-labelledby=\"primaryHeading-1-e35c831\" data-parent=\"#accordion-69f2b3461daef\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>If you're a roofer and damage occurs during a job, contact your insurance provider immediately to protect your business. If you're a homeowner, call your roofer first to assess the issue, then notify your insurer with their input.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-e35c831\">\n                        <a href=\"#collapse-4bc397a69f2b3461daef\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4bc397a69f2b3461daef\" aria-expanded=\"true\" aria-controls=\"Collapse-4bc397a69f2b3461daef\">\n                            \n                            <span class=\"ekit-accordion-title\">3. How much does roofing insurance cost?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4bc397a69f2b3461daef\" class=\" show collapse\" aria-labelledby=\"primaryHeading-2-e35c831\" data-parent=\"#accordion-69f2b3461daef\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Costs <a href=\"https:\/\/www.moneygeek.com\/insurance\/business\/roofing\/cost\/\">vary by location<\/a>, team size, and job type, but on average:<\/p><ul><li>General Liability: $200\u2013$350\/month<\/li><li>Workers\u2019 Comp: $10\u2013$15 per $100 of payroll<\/li><li>Commercial Auto: $140\u2013$220 per vehicle<\/li><\/ul><p>Bundling can save you money, especially with growing crews.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-e35c831\">\n                        <a href=\"#collapse-3212b0069f2b3461daef\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3212b0069f2b3461daef\" aria-expanded=\"true\" aria-controls=\"Collapse-3212b0069f2b3461daef\">\n                            \n                            <span class=\"ekit-accordion-title\">4. What insurance do roofers need?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3212b0069f2b3461daef\" class=\" show collapse\" aria-labelledby=\"primaryHeading-3-e35c831\" data-parent=\"#accordion-69f2b3461daef\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>At a minimum, roofers need:<\/p><ul><li>General Liability<\/li><li>Workers\u2019 Compensation (if you have employees)<\/li><li>Commercial Auto<\/li><li>Tools &amp; Equipment Coverage<\/li><\/ul><p>Larger or commercial jobs may also require Surety Bonds, Umbrella, and Professional Liability.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-e35c831\">\n                        <a href=\"#collapse-470ec8e69f2b3461daef\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-470ec8e69f2b3461daef\" aria-expanded=\"true\" aria-controls=\"Collapse-470ec8e69f2b3461daef\">\n                            \n                            <span class=\"ekit-accordion-title\">5. What makes a roof uninsurable?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-470ec8e69f2b3461daef\" class=\" show collapse\" aria-labelledby=\"primaryHeading-4-e35c831\" data-parent=\"#accordion-69f2b3461daef\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Roofs may be uninsurable if they are:<\/p><ul><li>Over 20\u201325 years old with no recent updates<\/li><li>Made of high-risk materials (e.g. wood shake)<\/li><li>Poorly maintained or showing active leaks\/damage<\/li><li>Installed without permits or by unlicensed contractors<\/li><\/ul><p>Staying compliant and documenting work helps protect your business and client eligibility.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1. 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Just one accident, theft of your tools, or a customer getting hurt could cost you thousands of [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":82766,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[162,156,175,157],"tags":[],"ppma_author":[145],"class_list":["post-48584","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industries","category-manage-your-business","category-roofing","category-start-your-business","author-benjamin"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Roofing Insurance 2026: Costs, Coverage &amp; How to Get It<\/title>\n<meta name=\"description\" content=\"Learn everything about how to get your roofing insurance in the U.S. Ensure your business is protected from risks and 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