Searching for roofing insurance for roofers online? We’ve compiled a list of the best agencies & company to buy business insurance for roofing contactors.
Roofing is a dangerous job, and accidents can happen at any time. As a roofer, you are responsible for ensuring the safety of your workers and the public. This is where business insurance comes into play. Business insurance provides financial protection in the event of an accident or other unforeseen circumstances.
In this blog post, we will discuss why business insurance is important for roofers and the types of insurance that are legally required for most roofing contractors.
Why is Business Insurance Important for Roofers?
Protection Against Liability Claims
Roofing contractors are exposed to a number of liability risks, such as property damage, bodily injury, and advertising injury. In the event that a roofer is sued for one of these liabilities, business insurance can provide financial protection by covering the cost of legal fees, settlements, and judgments.
Protection Against Property Damage
Roofing work often involves the use of heavy machinery, and accidents can happen. If a roofer damages someone else’s property while on the job, business insurance can provide financial protection by covering the cost of repairs or replacement.
Protection for Workers
Roofing is a high-risk job, and accidents can happen. In the event that a roofer is injured on the job, workers’ compensation insurance can provide financial protection by covering the cost of medical bills and lost wages.
Protection for Equipment and Tools
Roofers rely on specialized equipment and tools to do their job. In the event that this equipment is damaged or stolen, business insurance can provide financial protection by covering the cost of repairs or replacement.
Types of Insurance Required for Roofing Contractors
General Liability Insurance
General liability insurance is required for most roofing contractors. This type of insurance provides financial protection in the event of property damage, bodily injury, or advertising injury.
Workers’ Compensation Insurance
Workers’ compensation insurance is required in most states for roofing contractors with employees. This type of insurance provides financial protection in the event that an employee is injured on the job.
Commercial Auto Insurance
Roofing contractors often use trucks or other vehicles to transport equipment and tools to job sites. Commercial auto insurance is required for any vehicles used for business purposes.
Umbrella insurance provides additional liability coverage above and beyond what is provided by general liability insurance. This type of insurance is not required, but it is recommended for roofing contractors who want to ensure they have adequate financial protection in the event of a liability claim.
What are the 10 best business insurance companies for roofing contractors?
Business insurance is important for roofing contractors who want to protect themselves and their businesses from liability risks. General liability insurance, workers’ compensation insurance, commercial auto insurance, and umbrella insurance are the types of insurance that are legally required for most roofing contractors. By investing in business insurance, roofers can have peace of mind knowing that they are protected in the event of an accident or other unforeseen circumstances.
1. Contractors Liability
Contractors Liability is an online insurance agency that specializes in providing customized insurance policies for contractors across various trades, including roofing contractors. Their offerings are tailored to address the distinct risks and challenges faced by those in the roofing industry.
For roofing contractors, Contractors Liability typically offers General Liability Insurance, which is a fundamental necessity for any contractor. This insurance can protect against claims of property damage and bodily injury that could occur as a result of the roofing work. Given the inherent risks involved with working at heights and with potentially hazardous materials, this coverage is essential.
Additionally, Contractors Liability may provide further coverage options such as Workers’ Compensation for employees who might suffer a work-related injury or illness, and Commercial Auto Insurance if the roofing contractor utilizes vehicles for business purposes.
The agency understands that roofing contractors also require coverage for their tools and equipment, which can be a significant investment. Therefore, they may offer policies that cover these assets from theft, loss, or damage.
Contractors Liability is known for offering coverage that is compliant with state laws and regulations, ensuring that roofing contractors can confidently meet their contractual and legal obligations. The agency prides itself on its knowledgeable customer service, offering guidance to roofing contractors seeking the right insurance solutions for their specific needs.
Roofing contractors interested in the services provided by Contractors Liability should contact them directly to obtain a quote and discuss the most suitable coverage options for their business, as specific offerings may vary by location and other factors.
363 N Sam Houston Pkwy,Ste 1100
Houston, TX 77060
Phone: (866) 225-1950
Hiscox offers a range of insurance policies for contractors, including general liability, professional liability, and business owners policies. Hiscox Insurance offers tailored insurance products for roofing contractors designed to provide comprehensive protection for the unique risks faced in the roofing industry. Their policies for roofing professionals typically include General Liability Insurance to safeguard against claims of property damage or injury caused by roofing work. They may also offer Professional Liability Insurance, which can cover claims related to errors or omissions in the services provided. Hiscox understands the nuances of the roofing business and strives to provide coverage that can be customized to the scale and scope of the contractor’s operations, from residential to commercial projects. Hiscox’s insurance solutions for roofing contractors are designed to provide peace of mind through risk management and financial protection. They provide customizable coverage options and 24/7 claims assistance. For precise details and to ensure coverage meets specific needs, roofing contractors should consult directly with Hiscox to obtain the most accurate and relevant information.
Address: 520 Madison Avenue
32nd Floor, New York, NY 10022
Phone: (888) 202-3007
Embroker offers a suite of insurance products specifically curated for roofing contractors to address the complex risks associated with the roofing industry. Their portfolio for roofers is likely to include General Liability Insurance, providing defense against third-party claims of bodily injury and property damage. They may also offer Workers’ Compensation Insurance to protect employees who may be injured on the job—a critical coverage for the physically demanding and high-risk nature of roofing work.
Additionally, Embroker’s insurance solutions could encompass Commercial Property Insurance to protect the contractor’s office and warehouse, and Commercial Auto Insurance for vehicles used in business operations. Roofing contractors might also benefit from their Professional Liability offerings if the service includes advisory or design work.
Understanding the intricacies of roofing projects, Embroker aims to deliver customizable insurance policies that can be tailored to the specific needs of contractors, ensuring robust protection against the unique exposures of their trade. Roofing contractors interested in Embroker’s products should engage with them directly to ensure their coverage aligns with the particular demands of their business.
1 Sutter St #800
San Francisco, CA 94104
Phone: (844-) 436-2765
4. Next Insurance
Next Insurance offers specialized insurance products crafted to meet the demands of roofing contractors, focusing on flexibility and coverage that is tailored to the specific challenges of the roofing industry. Their insurance solutions typically include General Liability Insurance, which is essential for roofers to protect against claims of property damage or bodily injury incurred during their operations.
Recognizing the hazardous nature of roofing work, Next Insurance’s coverage options for roofers may also provide for Workers’ Compensation, ensuring that employees are covered in case of work-related injuries or illnesses. Furthermore, Tools and Equipment Insurance may be available to cover the cost of repairing or replacing tools and machinery that are stolen or damaged.
Next Insurance aims to simplify the insurance process for roofing contractors with easy online access, allowing for quick management of policies and claims. Their products are designed to be scalable, so as a roofing business grows, its insurance can adjust accordingly.
For roofing contractors, it’s recommended to directly contact Next Insurance to obtain detailed and specific information about their coverage options, as the company prides itself on creating insurance policies that cater to the unique needs of different contractor specialties, including roofing.
533 Airport Blvd
Suite 400, Burlingame, CA 94010
Phone: (855) 222-5919
5. Simply Business
Simply Business offers a range of insurance policies for contractors, including general liability, professional liability, and workers’ compensation. They provide online quotes and a simple application process.
Simply Business is an online insurance brokerage that specializes in providing a range of insurance products tailored for small businesses, including those in the construction and roofing sectors. For roofing contractors, Simply Business offers access to policies that address the specific risks of the roofing industry, ensuring that contractors can find coverage that matches their unique business needs.
Their offerings for roofing contractors typically include General Liability Insurance, which is crucial for safeguarding against third-party claims of injury or property damage. Given the high-risk nature of roofing work, this type of insurance is essential for protecting against the potential hazards of the trade.
Simply Business also understands that roofing contractors may require additional types of coverage, such as Workers’ Compensation, to protect employees in case of work-related injuries, and Commercial Auto Insurance if the contractor uses vehicles for transportation of materials or crew.
Additionally, Simply Business may help roofing contractors find policies that cover tools and equipment, which can be expensive and vital to business operations.
By using Simply Business, roofing contractors can compare quotes from various insurers to find a policy that fits their budget and meets their coverage needs. The platform simplifies the insurance process with a focus on convenience, offering online quotes and dedicated customer support to assist contractors through the selection and purchasing process.
1 Fore Street
London, EC2Y 5EJ
Phone: (800) 032 4816
CoverWallet, an Aon company, offers a digital insurance platform where roofing contractors can find, compare, and purchase the insurance policies they need to protect their business. They understand the unique risks that roofers face, such as accidents on the job, property damage, and liability concerns.
For roofing contractors, CoverWallet provides access to a range of insurance products such as General Liability Insurance, which is fundamental for on-site accidents and damages. Additionally, they may facilitate the purchase of Workers’ Compensation Insurance to cover employees in case of job-related injuries, a critical aspect of the roofing industry given its high-risk nature.
CoverWallet’s platform allows roofing contractors to also explore other relevant insurance types, like Commercial Auto Insurance for vehicles used in business operations, and Tools & Equipment Insurance to protect the gear essential to their work.
By utilizing CoverWallet’s services, roofing contractors can benefit from a convenient and streamlined insurance buying process, with the ability to manage their policies online and get assistance from expert advisors. Contractors should contact CoverWallet to tailor an insurance package that best fits the size and specific risks of their roofing business.
75 Broad St Suite 1010
New York, NY 10004
Phone: (646) 844-9933
BizInsure is an insurance provider that caters to the business insurance needs of various professional sectors, including those specialized for roofing contractors. Their platform enables roofing contractors to compare and purchase insurance policies that are tailored to the complexities and hazards inherent in the roofing industry.
For roofing contractors, BizInsure typically arranges access to General Liability Insurance, which is foundational for any contractor to protect against third-party claims of property damage or bodily injury that may arise during roofing operations.
In addition to liability coverage, BizInsure recognizes the importance of Workers’ Compensation Insurance for roofing contractors, due to the high risk of injury in the profession. This insurance is crucial for providing benefits to employees who might suffer work-related injuries or illnesses.
BizInsure’s offerings may also include coverage for Commercial Property to protect a roofing contractor’s office and storage facilities, Commercial Auto Insurance for company-owned vehicles, and Professional Liability Insurance if the contractor offers consulting or design services.
The advantage of using BizInsure is that it allows roofing contractors to quickly obtain quotes online, compare different policy options, and receive advice from insurance professionals. The aim is to streamline the process of finding, purchasing, and managing insurance, making it less time-consuming and more efficient for busy contractors.
Roofing contractors interested in BizInsure’s services should reach out directly to them to ensure they get a policy that is customized to their specific needs and risks, and compliant with state regulations and industry standards.
255 Shoreline Dr #400
Redwood City, CA 94065
Phone: (877) 900-9998
CommercialInsurance.net is a service that connects roofing contractors with insurance providers offering policies tailored to the specific needs of the roofing industry. The platform assists roofing contractors in finding comprehensive insurance solutions that mitigate the high risks associated with their trade.
For roofing contractors, the service typically facilitates the acquisition of General Liability Insurance, which is crucial for protection against claims of property damage or bodily injury related to their work. This coverage is vital for roofers due to the inherently dangerous nature of working at heights and with potentially hazardous materials.
Additionally, CommercialInsurance.net can help roofing contractors secure Workers’ Compensation Insurance to cover their employees in case of job-related injuries or illnesses, which is a common concern in the physically demanding field of roofing.
The service may also provide options for Commercial Auto Insurance for business vehicles, Professional Liability Insurance to cover advisory services, and Inland Marine Insurance to protect contractors’ tools and equipment while in transit or at various job sites.
CommercialInsurance.net prides itself on understanding the unique insurance needs of roofing contractors and offers a convenient way to get multiple quotes from different carriers, simplifying the comparison process. Roofing contractors looking for specific insurance coverage can reach out to CommercialInsurance.net to help them navigate through various policy options and find suitable protection for their business needs.
8586 Potter Park Dr #116
Sarasota, FL 34238
Phone: (877) 907-5267
Insurance321 is a service that acts as a matchmaker between roofing contractors and insurance companies, offering a streamlined process to find insurance products that suit the specific needs of the roofing industry. They understand the diverse risks that roofing contractors face and provide a platform to help them secure appropriate coverage efficiently.
Roofing contractors using Insurance321 are typically connected with insurance products such as General Liability Insurance, which is indispensable for protection against third-party claims of injury or property damage that could occur during roofing operations. Considering the high-risk nature of roofing work, this type of insurance is a cornerstone for contractor protection.
In addition to general liability, Insurance321 can assist contractors in finding policies for Workers’ Compensation Insurance, which is critical for providing benefits to employees who suffer work-related injuries or illnesses—a significant concern for the labor-intensive and risk-prone roofing profession.
The service may also help roofers find Commercial Auto Insurance for vehicles used in business operations, and Equipment Insurance to cover expensive tools and machinery.
Insurance321 prides itself on fast service, claiming to help contractors get insurance quotes quickly. Their goal is to simplify the insurance-buying process by connecting roofing contractors with insurance providers that offer the most relevant and cost-effective policies for their specific business risks. Roofing contractors interested in their offerings can utilize the Insurance321 platform to receive tailored insurance solutions from their network of insurance carriers.
5348 Vegas Dr #1412
Las Vegas, NV 89108
10. Contractors Direct Insurance
Contractors Direct Insurance offers a range of insurance policies for contractors, including general liability,
Contractors Direct Insurance is an insurance agency that specializes in providing coverage solutions specifically designed for contractors, including those in the roofing sector. Their goal is to offer insurance products that meet the unique demands and risks faced by roofing contractors.
The agency likely offers a range of insurance products such as General Liability Insurance, which is essential for any roofing business to protect against claims of property damage or bodily injury. Given the nature of roofing work, this insurance is crucial for day-to-day operations where the potential for accidents and injuries is high.
Workers’ Compensation Insurance might also be part of their portfolio, which is particularly important for roofing contractors due to the physical and risky nature of the job. This type of insurance can help cover medical costs and lost wages for employees who are injured while working.
Roofing contractors can also expect to find policies for Commercial Auto Insurance from Contractors Direct Insurance to cover vehicles used in the business, and possibly coverage options for tools and equipment, which are vital to a contractor’s operation.
Contractors Direct Insurance is positioned to offer tailored advice and insurance solutions to roofing contractors, understanding that each contractor may have different needs based on the size and scope of their projects. Roofing professionals can reach out to them to discuss specific coverage options, get quotes, and find out how their services can provide the necessary protection for their business activities.
Contractors Direct Insurance
Address: 555 Peters Ave
Suite 310, Pleasanton, CA 94566
Phone: (866) 925-6288
Choosing the Best Agency for Your Roofing Contractor Insurance Needs
Choosing the right insurance for your roofing business is a bit like picking out the perfect roofing SEO service or lead gen company—it’s all about finding that sweet spot that boosts your business to the top. Just like you’d want an SEO whiz to get your name out there on the web, or a lead gen guru to keep the phone ringing, you need an insurance agency that’s got your back.
Let’s face it, roofing is no walk in the park. And when it comes to protecting your hard work, it pays to shop around, do your homework, and have a good old chinwag with potential insurers. You’re looking for someone who gets the nitty-gritty of what you do, the kind of risks you face every day up on those roofs, and has the know-how to tailor your coverage just right.
Think about it—you wouldn’t trust your roofer lead generation or digital marketing to just anyone, right? The same goes for insurance. You want to sift through the options, compare notes, and pick an agency that feels like a partner, not just a provider. One that makes insurance feel less like a box-ticking chore and more like a smart business move.
In the end, it’s about that gut feeling. You want to team up with an insurance agency that makes you feel as confident as when you see your website popping up first on Google or when your inbox is full of leads ready to go. A choice that lets you sleep soundly, knowing that if those metaphorical storm clouds start brewing, you’ve got a solid plan in place. So take your time, chat them up, and pick the agency that not only talks the talk but walks the walk—just like you do, one roof at a time.