Best Roofing Business Insurance

NEXT and The Hartford tied for best roofing company insurance with MoneyGeek scores of 4.65 out of 5. Both insurers offer quality service, competitive rates and comprehensive coverage for roofing contractors handling high-risk work. Thimble and Simply Business are also solid choices, so get quotes from multiple providers to find the right financial protection for your roofing business.

Note: We based all scores on a roofing business with two employees across professional liability, general liability, workers' comp and BOP policies.

Thimble offers the cheapest roofing company insurance at $348 monthly ($4,170 annually) across the four common coverage types. It ranks first for general liability ($207 monthly) and BOP ($320 monthly), but the Hartford beats Thimble on professional liability at $87 monthly. NEXT Insurance also delivers competitive pricing, ranking first for workers' comp ($392 monthly).

Thimble offers the cheapest general liability insurance for roofing contractors at $207 monthly ($2,487 annually). You'll save $182 per month compared to the $389 industry average, which is 47% less than what most roofing companies pay. NEXT Insurance ranks second at $298 monthly, while Simply Business comes in third. Compare quotes from multiple providers to find the best rate for your roofing business.

NEXT Insurance delivers the cheapest workers' comp insurance for roofing companies at $784 monthly ($9,408 annually), beating the $836 industry average by $52 per month. Roofing contractors save about 6% with NEXT. The Hartford ranks second at $792 monthly, followed by Thimble at $804. Request quotes from all three providers to secure the lowest workers' compensation rate for your roofing business.

The Hartford provides the most affordable professional liability insurance for roofing contractors at $87 monthly ($1,046 annually). You'll pay $10 less per month than the $97 industry average, saving your roofing business about 10% annually. NEXT Insurance follows at $90 monthly, with Progressive Commercial third at $93. Check rates from these top three providers to find competitive professional liability coverage for your roofing company.

Roofing contractors pay just $320 monthly ($3,840 annually) with Thimble, the most affordable BOP insurance. The $567 industry average means your roofing business saves $247 monthly, or 44%, on bundled coverage with Thimble. NEXT Insurance ranks second at $455 monthly, followed by The Hartford at $514.

In general, business insurance costs for roofing companies are the following for the four most popular coverage types:

• General Liability: $389 on average per month ranging from $207 to $608 depending on state
• Workers Comp: $836 on average per month ranging from $784 to $966 depending on state
• Professional Liability (E&O): $97 on average per month ranging from $87 to $113 depending on state
• BOP Insurance: $567 on average per month ranging from $320 to $785 depending on state

Required coverage for roofers varies by state, but most roofing companies need workers' compensation and general liability at minimum to operate legally and win contracts. Beyond these, commercial auto insurance protects your fleet, while tools and equipment coverage and professional liability insurance safeguard against the specific risks roofing contractors face daily.

• Workers' Compensation Insurance: Required in most states once you hire your first employee, workers' compensation is often mandatory for roofing contractors regardless of business size. When a crew member falls from a ladder or gets heat exhaustion during a summer job, it pays for their medical bills and lost wages. Given roofing's high injury rates, aim for $1 million to $2 million in coverage, though your state sets minimum requirements.
• General Liability Insurance: Many states require general liability insurance for roofing licenses, and clients commonly request proof of coverage before work begins. It provides your roofing business financial protection when shingles fall and damage a client's car or when a homeowner trips over materials in their driveway. Most roofing contractors carry $1 million to $2 million per occurrence with $2 million to $5 million aggregate limits, covering against lawsuits that could otherwise destroy your business.
• Commercial Auto Insurance: Required by law in all but one state for business-owned vehicles, this coverage protects your work trucks when you transport crews and materials between job sites. A rear-end collision on the way to a project leaves you facing expensive repairs and liability claims without this protection. Minimum liability limits of $1 million work for most roofers, with higher amounts of $2 million to $5 million common for larger roofing operations.
• Tools and Equipment Insurance: When thieves target your trailer overnight or a garbage truck crushes your extension ladder left at a site, this coverage reimburses repair or replacement costs. Policies cost $32 to $67 monthly and can protect up to $100,000 worth of equipment, helping your roofing company avoid project delays when specialized tools get damaged or stolen during transport between jobs.
• Professional Liability Insurance (Errors and Omissions): If you offer design consultations or recommend specific roof systems, professional liability protects your roofing business when advice doesn't meet client expectations or causes unintended problems. A homeowner sues claiming you installed the wrong shingle type or provided faulty specifications. It handles legal defense costs and settlements, protecting your reputation and finances from claims of negligence or mistakes in professional services.

Getting business insurance doesn't have to be complicated when you follow our step-by-step method to find the best and most affordable coverage for your roofing business.

Roofing company insurance protects your business from the financial hit of crew injuries, property damage lawsuits and stolen tools. NEXT and The Hartford deliver the best coverage for roofing contractors, combining reasonable rates with reliable service when you need to file a claim. Thimble offers the most budget-friendly option at $348 monthly, making solid protection accessible for roofers just starting out or running lean operations.

We answer frequently asked questions about 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 the company 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 providers 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 companies are 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