What Type of Commercial Insurance Policy Roofing Contractors Need?



In 2021, it seems more and more apparent that every roofing contractor needs some kind of commercial insurance policy to ensure safety and continue operations. Without commercial insurance, roofing contractors will have to take care of expensive costs on their own. As a result, it can lead to financial stress and even drive the customers away.

From commercial to residential roofing professionals, there is always a high risk of employee-specific injuries. Fortunately, commercial roofers’ insurance covers the cost for property damage or bodily injury due to falling debris and equipment theft.

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The Insurance Roofing Contractors Need the Most

  • Workers Compensation Insurance

Workers compensation is arguably the most important insurance for the roofing business. As a roofing contractor, you have to consider workers compensation insurance as this is essential for your roofing company. The danger of a roofing job can be overwhelming and leads to a high fatality rate.

So, if one or more of your workers get inju red on the site, you can count on workers compensation insurance to cover the cost of medical bills. In fact, workers compensation insurance can even cover the rehabilitation costs for your workers.

Tip: Owners have the option to include themselves for a very affordable cost. For work-related injuries, workers compensation insurance has more benefits than a regular medical insurance. Here’s why:

Workers compensation insurance offers lost wages to workers who are unable to work due to on-site injuries. If a tragedy strikes, workers comp insurance will take care of death benefits or disability costs. Not to mention that it also covers the defense costs and settlements when the issue spirals out of control and reaches the court.

  • Commercial Auto Insurance

If you use vans, trailers, trucks, or cars for your roofing company, then you should buy commercial auto insurance. It is crucial to understand that personal auto insurance doesn’t cover work-related damages.  And this is where commercial auto insurance has become a savior for a lot of roofing contractors.

Essentially, commercial auto insurance covers the cost for third-party vehicles and provides medical payments and personal injury protection for you and as well as your employees. So, if a worker gets injured operating a vehicle at work, commercial auto insurance will cover third-party injuries. 

Remember, the key consideration is when one or more workers are part of an accident that injures a third party. The majority of commercial auto insurance policies also provide collision coverage that covers damages in case of a collision course with another vehicle.

For example, you can get the money you owe on a leased car if it is seriously damaged or requires replacement. 

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Other types of commercial insurance roofing contractors can get is the required Roofers Liability Insurance, and Business’ Owners Policy. Liability insurance is a third-party coverage, it covers claims from your clients, suppliers, competitors, anyone who’s not employed in your company; While Business Owner’s Policy is a first-party coverage which will cover your tools, equipment, and property.

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It is no secret that construction work comes with a high risk. Of course, professional roofers are aware of the modern pitfalls and how insurance can tend to the most complex situations. Since roofers work on tall buildings, there is a high chance for the workers to fall off a ladder or roof.

It makes commercial insurance for roofing contractors all the more important. In some states, commercial contractors’ insurance is mandatory and even for SMEs, they would require a small business liability. It is important to note however, clients often don’t hire roofing contractors who don’t have commercial insurance. In the end, more professional roofers will need contractors insurance in order to protect the company and themselves in the event of lawsuits, employee injuries, and accidents.