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Roofing Contractor Insurance

Roofing Contractor Insurance | General Liability & Workers’ Comp for Roofers

Are you a roofer struggling to find affordable, compliant insurance that keeps you on job sites—not off them?

Roofing is one of the most high-risk trades in construction—and insurance companies know it. That’s why many carriers either deny coverage, charge sky-high premiums, or bury you in confusing paperwork.

At Prime Risk Insurance, we specialize in helping roofing contractors get covered fast, stay compliant, and win more jobs with confidence. From Workers’ Comp to General Liability, our insurance programs are built specifically for roofers like you.

In this guide, you’ll learn exactly what coverages you need, how much they typically cost, and why working with a roofing-specialized insurance provider matters.

Insert Image: Hero image of a roofer working on a rooftop (banner-style)

Insurance Coverage

The Insurance Coverages Every Roofer Needs (and Why)

Whether you’re working solo or managing a crew, there are a few essential policies you can’t afford to skip:

  • General Liability – Covers third-party injuries and property damage (like that client skylight that got shattered).
  • Workers’ Compensation – Required in most states if you have employees or 1099 subcontractors.
  • Commercial Auto – Covers work trucks, trailers, and equipment-hauling vehicles.
  • Tools & Equipment Coverage – Protects your gear from theft or damage.
  • - Umbrella Policies – Extra protection when your jobsite exposure is high.

Insert Image: Infographic showing insurance types with icons and descriptions.

The Insurance Coverages Every Roofer Needs and Why-1
Get Fair Insurance

Why Roofers Struggle to Get Fair Insurance—and How We Solve That

Let’s be honest: roofing scares a lot of insurance companies. Many of our clients come to us after being:

  • Overcharged due to misclassification
  • Denied outright by generalist brokers
  • Stuck with ghost policies that don’t really protect them
  • Forced into policies that exclude key parts of their work
That’s why we built an agency that focuses only on contractors. Roofing is one of our top specialties, and we know exactly how to:
  • Classify your work correctly
  • Present your business to underwriters in the right light
  • Negotiate better rates with high-risk carriers
  • Help you avoid gaps that could cost you later
Get Fair Insurance

What’s Included in Our Roofing Contractor Insurance Packages

Our clients don’t just get policies—they get peace of mind.

Here’s what’s typically included when you work with us:
  • Fast Certificates of Insurance (COIs) for job site compliance
  • State-specific Workers’ Comp set up (no ghost policies)
  • Subcontractor coverage review
  • Proof of insurance that helps you win bids
  • Access to advisors who actually understand roofing

What Roofers Say About Working With Us

After being dropped by my old insurance provider, I had no idea what to do. These guys got me covered in less than 24 hours and helped me save over $1,500 a year. Total game-changer.” – Mike D., Precision Roofing, TX

Every roofing contractor I know should be using them. Fast, straight-up, and they actually understand our business.” – Jenna L., RidgeTop Roofing, NC

 

 

 

Roofing Contractor Insurance Packages-2
Frequently Asked Questions

Roofing Contractor Insurance

What type of insurance do I legally need as a roofer?

Can I get a policy if I’ve had past claims?

How fast can I get a COI?

What if I use only subcontractors?

The 3 Step Plan

How to Get Started

Getting the coverage you need is easier than you think:

Step 1

Fill out our quick contractor intake form (takes 2 minutes)

Step 2

We review your info and build a custom quote

Step 3

You get covered, certified, and ready to work—fast

At the End of the Day…

Roofing is risky enough. The last thing you need is a broker who doesn’t understand your trade—or a policy that leaves you exposed.

Now that you’ve seen what proper roofing insurance should look like, your next step is simple: Let’s get you a quote you can trust.

We’re Prime Risk Insurance, and we’re here to protect the roofers who build everything else.
Get a Roofing Insurance Quote