Roofer Insurance in Bisbee: What It Really Costs and Why It Varies So Much

Insights from helping hundreds of roofing contractors across Arizona.

If you're a roofing contractor in Bisbee, your insurance premiums aren’t just numbers—they're the result of dozens of variables that most generic agents never explain. At Prime Risk Insurance, we've worked with hundreds of roofers across Arizona and developed a deep understanding of the real-world cost factors driving your premiums. In this guide, we break down what roofer insurance actually costs in Bisbee, what makes it go up (or down), and what you can do to control those costs without compromising your protection.

How Much Does Roofer Insurance Cost in Bisbee?

Based on our data, roofing insurance premiums in Bisbee typically range from $5,000 to $75,000+ annually, depending on:

• Revenue
• Payroll
• Type of roofing work
• Claims history
• Experience mod (ex-mod)
• Number of employees
• Historic structure exposure
• Terrain risk
• Monsoon response work
• Safety programs
• Credit score

Contractors who work with specialized agents like us save an average of 15–30% versus those with generic insurance brokers.

The 10 Factors That Determine Your Roofing Insurance Premium in Bisbee

1. Annual Revenue (And How You Earn It)

Two roofers with $800K in revenue can have wildly different premiums:

• Residential repairs: ~$18,000/year
• Large commercial installs: ~$26,000/year

Estimated Ranges:

• Under $500K: $5K–$12K
• $500K–$2M: $12K–$35K
• $2M+: $35K–$75K+

2. Payroll and Employee Classification

This is where we find 40%+ of policies mispriced.

Common Errors We Fix:

• Admin staff misclassified as roofers
• Sales staff misclassified
• All workers lumped into high-risk codes

3. Claims History and Ex-Mod

Ex-Mod Score Impact:

• 0.70–0.85: Save 15–30%
• 1.01–1.25: Pay 1–25% more
• 1.26+: Pay 26%+

4. Type of Roofing Work

• Residential repairs = lower risk
• Commercial flat roofing, metal, multi-story = higher risk
• Historic homes = 10–15% more due to restoration risks

5. Bisbee-Specific Risk Factors

Impacting Factors:

• Monsoon season (claims spike July–Sept)
• Hillside roofs (fall risk, complex access)
• Historic district requirements
• Small market underwriting limitations

6. Years in Business

• New (1–2 years): 30–50% higher rates
• 3–5 years: Rates start to normalize
• 6+ years: Preferred pricing

7. Safety Programs

Key Elements:

• OSHA 10/30 certifications
• Fall protection for steep slopes
• Monsoon work procedures
• Documented monthly safety meetings

8. Coverage Limits and Deductibles

• $1M/$2M GL: Common for residential
• $2M/$4M or umbrella: Needed for commercial

Savings Strategy: Higher deductibles = 10–25% lower premiums

9. Credit and Financial Health

Low business credit can raise rates 15–30%. We work with carriers who prioritize claims history over credit when needed.

10. Who Your Agent Is

Working with roofing-specialized agents saves many of our clients $3,000–$10,000+ per year.

Real Premium Examples from Bisbee Roofers

Residential Roofer

• $285K revenue, 2 employees
• $8,200/year for GL, WC, tools, 2 vehicles

Mid-Size Roofer

• $920K revenue, 7 employees
• $24,800/year with $1M umbrella, WC, tools, 4 vehicles

Full-Service Roofer

• $2.8M revenue, 18 employees, ex-mod 0.82
• $62,400/year with $2M/$4M GL, $2M umbrella, tools, 7 vehicles

Top 6 Ways We've Helped Roofers Lower Insurance Costs

1. Annual Market Check: Always quote 3–5 carriers
2. Classification Audit: Fixes save avg. $3,800/year
3. Ex-Mod Disputes: Successful 18% of the time
4. Safety Program Templates: Save $2,400/year avg
5. Claims Strategy: Avoid small claims, save $18K/5 years
6. Bundling Strategy: Right bundle = $2,800+/year saved

Common Mistakes That Cost Bisbee Roofers Big

• Buying based on price, not coverage fit
• Dropping coverage in slow seasons
• Ignoring subcontractor clauses
• Not challenging ex-mods
• Forgetting to update coverage as the business grows

Why Bisbee Roofers Work With Us

• We know roofing inside and out
• We understand Bisbee terrain, climate, and market
• We work with 8–12 roofing-specialized carriers
• We save our clients $6,200/year on average

Get a Free Roofing Insurance Review

We’ll provide:

• Multiple comparison quotes
• Coverage gap analysis
• Classification audit
• Ex-mod review
• Honest, pressure-free advice

Request Your Free Review »

FAQ: Roofer Insurance in Bisbee

What insurance do roofers in Bisbee need? 

Typically,  General Liability, Workers’ Comp, Tools & Equipment, Commercial Auto, and Umbrella coverage. 

How fast can I get a quote? 

Most Bisbee roofers get initial quotes in 24–48 hours after we gather your info. 

Can I get insurance with a bad ex-mod? 

Yes, we work with carriers open to higher ex-mods—and we help dispute incorrect scores. 

Should I include my subcontractors?

It depends on your policy. We help you review and structure subcontractor agreements to avoid surprises. 

Do I need an umbrella policy?

If you do commercial work or work with general contractors, yes. Many contracts require it.