We found that NEXT and The Hartford are tied as the best small business insurers for roofing companies due to their excellent customer service and comprehensive coverage. However, we recommend comparing quotes from our other top picks, including Thimble and Simply Business.
Best Roofing Business Insurance
Updated: July 17, 2025
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Key Takeaways
NEXT and The Hartford are the best business insurance companies for roofing firms because they offer the greatest balance of customer service and coverage.
The cheapest overall commercial insurance provider for roofing businesses is Thimble, with low monthly rates for various coverage types. This is based on our analysis of a specific business profile with two employees. Your actual rates may vary significantly based on your business size, location, claims history and coverage needs.
To shop for business insurance for your roofing business, assess the risks in your industry, consult agents and other similar organizations and compare multiple options.
Best Business Insurance for Roofing Companies
| NEXT Insurance | 93 | 91 | 94 |
| The Hartford | 93 | 93 | 91 |
| Thimble | 91 | 98 | 81 |
| Simply Business | 89 | 88 | 83 |
| Coverdash | 89 | 88 | 83 |
| Nationwide | 88 | 84 | 91 |
| Progressive Commercial | 86 | 88 | 81 |
| Hiscox | 86 | 86 | 87 |
| Chubb | 85 | 80 | 87 |
| biBERK | 85 | 80 | 91 |
*All scores were based on a roofing business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. NEXT
pros
Excellent customer satisfaction
Solid pricing across core policies
Fast, paperless policy management
cons
May not support high-rise projects
COMPANY HIGHLIGHTS
NEXT leads for roofing businesses because it combines great customer service, affordability and digital convenience. With a 4.7‑out‑of‑5 rating, it excels in ease of use and responsiveness, ideal for small to midsize roofing crews.
NEXT ranks among the lowest for general liability, professional liability and BOP costs, making it an efficient all-in-one provider. While complex commercial projects may require more customization, NEXT is perfect for everyday residential and low-slope contractors.
2. The Hartford
pros
Lowest professional liability rates
Trusted name in contractor coverage
Strong BOP and GL performance
cons
Quoting process less tech-forward
COMPANY HIGHLIGHTS
The Hartford stands out as a trusted insurer for roofing professionals taking on higher-risk or commercial jobs. It offers the cheapest professional liability pricing in our analysis and ranks highly for general liability and BOP coverage. With an A+ from AM Best, The Hartford is a go-to choice for roofers needing credibility when bidding large contracts. While it’s not the fastest to quote, its coverage quality and claims support make up for it.
3. Thimble
pros
Cheapest general liability and BOP
Flexible short-term coverage options
Easy online purchase experience
cons
Limited customization for large firms
COMPANY HIGHLIGHTS
Thimble is the top budget pick for roofers needing affordable coverage fast. It leads in general liability, BOP and workers' comp pricing, making it a great match for solo contractors and small residential crews. Roofers can purchase policies on-demand by the job, week or month and manage everything online.
While the company receives high ratings on forums like Trustpilot, it has a major limitation: it doesn't offer phone customer support, and all communications occur online through the app or email. It’s a great solution for tech-savvy roofers who value flexibility and speed over traditional service.
Cheapest Business Insurance for Roofing Firms
Based on our study of business insurance pricing, Thimble offers the cheapest overall commercial insurance for roofing companies across most policy types. However, this applies only to roofing companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Roofing Companies
With an average monthly rate of $207, Thimble offers the lowest-cost general liability insurance for roofing companies. Even so, consider getting quotes from the next-most-affordable insurers: The Hartford and NEXT Insurance.
*Rates shown are based on our sample profile and may not reflect your actual costs, which depend on factors including location, business size, claims history, and specific coverage needs.
| Thimble | $207 | $2,487 |
| The Hartford | $316 | $3,794 |
| NEXT Insurance | $318 | $3,813 |
| Coverdash | $366 | $4,397 |
| Simply Business | $367 | $4,401 |
| Progressive Commercial | $380 | $4,563 |
| Hiscox | $416 | $4,993 |
| Nationwide | $423 | $5,081 |
| Chubb | $468 | $5,618 |
| biBERK | $608 | $7,295 |
Cheapest Workers' Comp Insurance for Roofing Companies
Thimble offers the lowest-priced workers' comp insurance for roofing companies, with typical rates starting at $358 monthly or $4,292 annually.
Still, it’s worth checking quotes from other low-cost insurers like Progressive Commercial, Simply Business and Hiscox.
*Rates shown are based on our sample profile and may not reflect your actual costs, which depend on factors including location, business size, claims history, and specific coverage needs.
| Thimble | $358 | $4,292 |
| Progressive Commercial | $386 | $4,628 |
| Simply Business | $398 | $4,780 |
| Hiscox | $400 | $4,794 |
| The Hartford | $405 | $4,864 |
| Coverdash | $409 | $4,906 |
| NEXT Insurance | $417 | $4,998 |
| biBERK | $421 | $5,052 |
| Nationwide | $449 | $5,385 |
| Chubb | $481 | $5,778 |
Cheapest Professional Liability Insurance for Roofing Companies
The Hartford offers the most affordable professional liability insurance options for roofing companies, with low average monthly rates of $87. You may also want to compare prices from other low-cost providers like NEXT Insurance, Progressive Commercial and Thimble.
*Rates shown are based on our sample profile and may not reflect your actual costs, which depend on factors including location, business size, claims history, and specific coverage needs.
| The Hartford | $87 | $1,045 |
| NEXT Insurance | $91 | $1,086 |
| Progressive Commercial | $93 | $1,113 |
| Hiscox | $96 | $1,157 |
| Thimble | $96 | $1,154 |
| Simply Business | $97 | $1,162 |
| Coverdash | $98 | $1,181 |
| biBERK | $100 | $1,206 |
| Nationwide | $104 | $1,251 |
| Chubb | $113 | $1,360 |
Cheapest BOP Insurance for Roofing Companies
Thimble provides the most affordable business owner's policy (BOP) coverage for roofing companies, with an average yearly cost of $3,840 for bundled general liability and property protection. That’s a savings of roughly $1,003 annually compared to The Hartford, the second most affordable option.
*Rates shown are based on our sample profile and may not reflect your actual costs, which depend on factors including location, business size, claims history, and specific coverage needs.
| Thimble | $320 | $3,840 |
| The Hartford | $404 | $4,843 |
| NEXT Insurance | $461 | $5,529 |
| Coverdash | $532 | $6,380 |
| Simply Business | $551 | $6,610 |
| Progressive Commercial | $574 | $6,882 |
| Hiscox | $623 | $7,474 |
| Nationwide | $642 | $7,702 |
| Chubb | $699 | $8,393 |
| biBERK | $785 | $9,415 |
What Type of Coverage Do You Need for a Roofing Business?
Most companies with employees are legally required to carry workers' comp insurance, and businesses that use vehicles for commercial purposes are typically required to carry commercial auto insurance, though requirements vary by state and vehicle usage.
Many clients or contracts also require businesses to carry general liability insurance before starting work. A surety bond may also be necessary in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED ROOFING BUSINESS COVERAGE
General liability insurance provides financial protection when your business is held responsible for bodily injury to others or damage to someone else's property. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. It helps most for roofing businesses with commercial contracts or high-risk jobs that require specialized work.
How to Get the Best Cheap Business Insurance for Your Roofing Company
Finding the right business insurance for your roofing company can feel overwhelming with so many options available. Here's how to find the best and cheapest business insurance for your roofing company, using our step-by-step method.
- 1
Decide on coverage needs before buying
Think about what could go wrong in your roofing business, talk to other roofers about their experiences, consult with agents and research the types of business insurance. Understanding risks upfront helps you buy the right coverage without paying for protection you don't need.
- 2
Research costs
Know what you should expect to pay before you start shopping. Look up typical insurance costs for roofing companies your size, then identify which companies offer the lowest rates. This homework gives you negotiating power and helps you spot a good deal.
- 3
Look into company reputations and coverage options
Check out what real customers say about each insurer on sites like Trustpilot and Google, or browse Reddit threads where business owners share their experiences. Look into each company's coverage options since your roofing business might grow or change.
- 4
Compare multiple quotes through different means
Get quotes from at least three companies, but where you get those quotes affects the price. An independent agent might find you a deal that doesn't show up on a company's website. Online comparison tools are quick, but calling insurers directly sometimes unlocks discounts.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Roofing Business's Liability Risk
Reducing liability risk is essential for roofing businesses to manage insurance costs effectively. We've organized practical risk mitigation strategies by business type or risk tier to help you navigate this process.
Roofing Business Risk Type | Included Types of Roofing Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | Commercial roofing, high-rise work, storm damage response | Require OSHA 30 and fall protection certification. Use harnesses, anchor systems, and guardrails on all elevated jobs. Enforce daily safety briefings, weather monitoring, and buddy systems. Maintain written emergency response protocols. |
Moderately High | Multi-unit residential roofing, flat roofing, tear-offs and re-roofing | Use debris containment nets, edge protection, and marked work zones. Provide PPE (hard hats, gloves, non-slip boots). Train crews on ladder setup, material lift operation, and fire prevention with torch-applied systems. |
Moderate | Steep-slope residential roofing, asphalt shingle installation | Follow ladder safety training and three-point contact methods. Use roof jacks and toe boards. Document pre-existing conditions with clients and get signoffs on final inspections. |
Moderately Low | Minor roof repairs, gutter work, roof inspections | Use mobile ladders with stabilizers. Carry small tools in tool belts to avoid drops. Wear proper footwear and avoid working in wet or windy conditions. Provide written reports with photo evidence. |
Lowest | Roof consulting, estimating, drone inspections | Maintain professional liability coverage. Use client disclaimers on findings and scope limitations. Store inspection photos and documentation securely. Avoid speculative comments on structural integrity without engineering certification. |
Best Insurance for Roofing Business: Bottom Line
NEXT Insurance is the best insurer for roofing business insurance, while Thimble offers the cheapest option overall. We also recommend getting quotes from The Hartford and Coverdash. For the best deal, talk to agents, research providers and pricing and compare multiple quotes side by side.
Roofing Business Insurance: FAQ
Below, we answer common questions about business insurance for roofing companies.
Who offers the best roofing business insurance overall?
NEXT and The Hartford offer the best business insurance for roofing companies, both earning a MoneyGeek score of 93 out of 100. NEXT stands out for its excellent customer service.
Who has the cheapest business insurance for roofing companies?
Here are the cheapest business insurance companies for roofing companies by coverage type:
- Cheapest general liability insurance: Thimble at $207 per month
- Cheapest workers' comp insurance: Thimble at $358 per month
- Cheapest professional liability insurance: The Hartford at $87 per month
- Cheapest BOP insurance: Thimble at $320 per month
What business insurance is required for roofing organizations?
Workers' compensation insurance is required if you employ staff, and commercial auto insurance is needed if you have business vehicles, with state-specific rules. Although not legally required, general liability insurance and surety bonds are crucial for meeting most client expectations and property lease conditions.
How much does roofing business insurance cost?
Business insurance costs for roofing companies are higher than average due to the physical risks involved. Below are the average monthly costs for the most common policies:
- General Liability: $387 per month
- Workers Comp: $412 per month
- Professional Liability: $98 per month
- BOP Insurance: $559 per month
How We Chose the Best Roofing Business Insurance
We selected the best business insurer for roofing companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.
- NEXT. "Customer Reviews." Accessed June 16, 2025.