Arizona Roofing Insurance: Requirements, Costs & How to Get Covered

The Roofing Insurance Mistake That Can Cost You Everything

I know firsthand what it’s like to be a contractor in Arizona. I built a business here, worked through the challenges, and, like many of you, learned some hard lessons along the way.

One of the biggest mistakes I see roofers make? Not having the right insurance coverage—until it’s too late.

Whether it’s a job-site accident, a customer lawsuit, or property damage, a single claim can drain your finances, put your company at risk, or even lead to license suspension.

If you’re a roofing contractor in Arizona, you’re required by law to carry certain types of insurance. But beyond compliance, you need to make sure your business is fully protected—because not all policies cover what you think they do.

In this guide, I’ll walk you through:

• The insurance policies you must have as an Arizona roofer
• How much roofing insurance costs and what affects pricing
• How to find the right policy and avoid common coverage gaps

Let’s make sure you’re covered before the worst happens.

Step 1: What Insurance Do Arizona Roofers Need?

Arizona roofing insurance isn’t just about checking a box—it’s about ensuring your business is legally compliant and financially protected.

Mandatory Insurance for Arizona Roofers

General Liability Insurance

• What It Covers: Property damage, bodily injury claims, and legal fees
• Who Needs It?: All roofing contractors

Workers’ Compensation Insurance

• What It Covers: Employee injuries, lost wages, and medical expenses
• Who Needs It?: Roofers with employees

Commercial Auto Insurance

• What It Covers: Company trucks, vans, and work vehicles
• Who Needs It?: Roofers using business vehicles

Surety Bond

• What It Covers: Ensures compliance with Arizona Registrar of Contractors (ROC) licensing
• Who Needs It?: Required for licensed contractors

Recommended Coverage for Extra Protection

Many Arizona roofers mistakenly think general liability is enough, but here are other policies that can fill in critical coverage gaps:

• Roofing Contractor Professional Liability Insurance – Covers errors and workmanship claims
• Inland Marine Insurance – Protects roofing materials and tools during transport
• Umbrella Liability Insurance – Extends coverage limits for large lawsuits

Important Note: Many insurance policies exclude roofing work or limit height restrictions. Make sure your coverage doesn’t have hidden exclusions that could leave you unprotected.

Step 2: How Much Does Roofing Insurance Cost in Arizona?

Estimated Price Only:

Your insurance costs depend on several factors, including your crew size, services, and claims history.

Estimated Roofing Insurance Costs in Arizona

General Liability Insurance: $3,000 – $10,000+

Workers’ Compensation: $6,000 – $20,000+

Commercial Auto Insurance: $1,200 – $4,000+

Surety Bond: $100 – $500+

Factors That Affect Your Roofing Insurance Rates

Business Size & Payroll – More employees mean higher workers’ comp costs

Claims History – A clean record lowers premiums, while past claims increase them

Services Offered – Commercial roofing is higher risk than residential

Safety Measures – Implementing workplace safety programs can lower rates

Pro Tip: Roofers with no claims history and a solid safety plan can save up to 30% on their insurance costs.

Step 3: How to Get the Right Arizona Roofing Insurance

I’ve worked with hundreds of Arizona roofing contractors to secure the best coverage at the right price. Here’s what you need to do:

• Compare quotes from multiple insurance providers – Many don’t fully cover roofers
• Watch out for exclusions – Policies that limit roof height or exclude subcontractors can leave you exposed
• Ensure compliance with Arizona regulations – Not all policies meet Arizona’s licensing requirements

Don’t Settle for a Generic Insurance Policy

Many general business insurance policies don’t cover high-risk roofing work. You need a policy specifically designed for Arizona roofers.

Need a customized roofing insurance quote? Contact my team at PrimeRisk Insurance and let’s find the right coverage for you.

Frequently Asked Questions About Roofing Insurance in Arizona

What happens if I don’t have roofing insurance?

You could face lawsuits, fines, and loss of your Arizona contractor license. Without coverage, any property damage or worker injury falls directly on you.

Do I need workers’ compensation if I’m a solo roofer?

You can opt out as a sole proprietor, but if you hire even one subcontractor, you must have workers’ comp coverage.

Can I use an insurance policy from another state?

No. Arizona has unique roofing insurance requirements. Using an out-of-state policy could leave you non-compliant and at risk of losing your license.

Pro Tip: Always ensure your policy meets Arizona-specific roofing laws before purchasing.

Final Step: Let’s Make Sure You’re Covered

Without the right insurance, your business is one lawsuit away from financial disaster. But with the right policy, you can:

• Meet Arizona state requirements
• Protect your business from lawsuits & claims
• Save money by preventing coverage gaps

Here’s What to Do Next:

1. Get expert advice. Request a customized roofing insurance quote today.

Don’t wait until something happens. Protect your business now.