Roofing business insurance costs vary significantly across coverage types, helping you plan your budget effectively. MoneyGeek's analysis shows monthly premiums range from $97 for professional liability coverage to $836 for workers' compensation insurance.
How Much Does Roofing Business Insurance Cost?
Roofing business insurance can cost as little as $97 per month. Your business details, coverage needs and claims history will determine your actual rate.
Discover cheap roofing business insurance below.
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Updated: August 20, 2025
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Key Takeaways
Roofing business insurance costs range from $97 to $836 monthly, with general liability averaging $389 and workers' compensation running about $836.
Your roofing insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable roofing business insurance costs.
Average Roofing Business Insurance Cost Overall
| BOP | $567 |
| General Liability | $389 |
| Professional Liability (E&O) | $97 |
| Workers' Comp | $836 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Roofing Business Insurance Cost for General Liability Coverage by State
Your roofing business general liability coverage costs depend on location. Maine offers significant savings at $338 monthly versus the $388 national average, while New York costs $453 monthly, providing clear cost benchmarks for planning.
| Alabama | $382 |
| Alaska | $341 |
| Arizona | $370 |
| Arkansas | $374 |
| California | $434 |
| Colorado | $387 |
| Connecticut | $424 |
| Delaware | $419 |
| Florida | $422 |
| Georgia | $396 |
| Hawaii | $398 |
| Idaho | $370 |
| Illinois | $428 |
| Indiana | $380 |
| Iowa | $371 |
| Kansas | $379 |
| Kentucky | $363 |
| Louisiana | $434 |
| Maine | $338 |
| Maryland | $372 |
| Massachusetts | $409 |
| Michigan | $369 |
| Minnesota | $366 |
| Mississippi | $392 |
| Missouri | $385 |
| Montana | $388 |
| Nebraska | $369 |
| Nevada | $443 |
| New Hampshire | $388 |
| New Jersey | $442 |
| New Mexico | $392 |
| New York | $453 |
| North Carolina | $338 |
| North Dakota | $339 |
| Ohio | $362 |
| Oklahoma | $364 |
| Oregon | $362 |
| Pennsylvania | $450 |
| Rhode Island | $428 |
| South Carolina | $402 |
| South Dakota | $365 |
| Tennessee | $380 |
| Texas | $393 |
| Utah | $372 |
| Vermont | $374 |
| Virginia | $355 |
| Washington | $443 |
| West Virginia | $409 |
| Wisconsin | $383 |
| Wyoming | $361 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Roofing Business Insurance Cost for Workers’ Compensation Coverage by State
Your roofing business cost for workers' compensation varies by state. Maine offers the lowest rates at $726 monthly and New York the highest at $970 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $816 |
| Alaska | $755 |
| Arizona | $792 |
| Arkansas | $796 |
| California | $939 |
| Colorado | $825 |
| Connecticut | $899 |
| Delaware | $896 |
| Florida | $906 |
| Georgia | $843 |
| Hawaii | $872 |
| Idaho | $793 |
| Illinois | $915 |
| Indiana | $815 |
| Iowa | $791 |
| Kansas | $816 |
| Kentucky | $781 |
| Louisiana | $948 |
| Maine | $726 |
| Maryland | $797 |
| Massachusetts | $873 |
| Michigan | $787 |
| Minnesota | $791 |
| Mississippi | $836 |
| Missouri | $827 |
| Montana | $836 |
| Nebraska | $790 |
| Nevada | $948 |
| New Hampshire | $832 |
| New Jersey | $937 |
| New Mexico | $846 |
| New York | $970 |
| North Carolina | $730 |
| Oklahoma | $770 |
| Oregon | $779 |
| Pennsylvania | $957 |
| Rhode Island | $915 |
| South Carolina | $871 |
| South Dakota | $778 |
| Tennessee | $814 |
| Texas | $851 |
| Utah | $791 |
| Vermont | $805 |
| Virginia | $761 |
| West Virginia | $877 |
| Wisconsin | $822 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Roofing Business Insurance Cost for Professional Liability Coverage by State
Your cost for professional liability varies by state, just like other business insurance types. While the national average is $98 monthly, Maine offers the lowest rates at $84 monthly, and Pennsylvania charges the highest for E&O insurance at $115 monthly.
| Alabama | $95 |
| Alaska | $87 |
| Arizona | $94 |
| Arkansas | $94 |
| California | $108 |
| Colorado | $96 |
| Connecticut | $106 |
| Delaware | $104 |
| Florida | $105 |
| Georgia | $101 |
| Hawaii | $102 |
| Idaho | $92 |
| Illinois | $107 |
| Indiana | $96 |
| Iowa | $91 |
| Kansas | $95 |
| Kentucky | $90 |
| Louisiana | $106 |
| Maine | $84 |
| Maryland | $92 |
| Massachusetts | $104 |
| Michigan | $91 |
| Minnesota | $93 |
| Mississippi | $99 |
| Missouri | $96 |
| Montana | $97 |
| Nebraska | $92 |
| Nevada | $110 |
| New Hampshire | $98 |
| New Jersey | $109 |
| New Mexico | $97 |
| New York | $113 |
| North Carolina | $85 |
| North Dakota | $86 |
| Ohio | $92 |
| Oklahoma | $92 |
| Oregon | $92 |
| Pennsylvania | $115 |
| Rhode Island | $106 |
| South Carolina | $100 |
| South Dakota | $91 |
| Tennessee | $94 |
| Texas | $98 |
| Utah | $94 |
| Vermont | $95 |
| Virginia | $91 |
| Washington | $112 |
| West Virginia | $101 |
| Wisconsin | $95 |
| Wyoming | $90 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Roofing Business Insurance Cost for BOP Coverage by State
Business owner's policy rates vary in roofing business insurance costs nationwide. Monthly premiums range from $482 in Alaska to $656 in New York for comparable coverage.
| Alabama | $570 |
| Alaska | $482 |
| Arizona | $533 |
| Arkansas | $547 |
| California | $626 |
| Colorado | $575 |
| Connecticut | $614 |
| Delaware | $618 |
| Florida | $613 |
| Georgia | $582 |
| Hawaii | $562 |
| Idaho | $542 |
| Illinois | $624 |
| Indiana | $549 |
| Iowa | $552 |
| Kansas | $566 |
| Kentucky | $521 |
| Louisiana | $635 |
| Maine | $485 |
| Maryland | $535 |
| Massachusetts | $590 |
| Michigan | $530 |
| Minnesota | $531 |
| Mississippi | $568 |
| Missouri | $554 |
| Montana | $567 |
| Nebraska | $546 |
| Nevada | $643 |
| New Hampshire | $565 |
| New Jersey | $645 |
| New Mexico | $582 |
| New York | $656 |
| North Carolina | $488 |
| North Dakota | $500 |
| Ohio | $536 |
| Oklahoma | $521 |
| Oregon | $520 |
| Pennsylvania | $645 |
| Rhode Island | $630 |
| South Carolina | $599 |
| South Dakota | $525 |
| Tennessee | $558 |
| Texas | $572 |
| Utah | $539 |
| Vermont | $538 |
| Virginia | $521 |
| Washington | $649 |
| West Virginia | $590 |
| Wisconsin | $557 |
| Wyoming | $534 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Roofing Business Insurance Cost
Insurance companies look at several factors to determine your roofing business insurance costs. Understanding these pricing elements helps you create more accurate budget forecasts. We break down these key factors below.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in storm-prone regions or areas with strict building codes increases your risk profile, creating substantial premium variations between states.
Safety record and claims history
Previous claims impact future premiums, often for three to five years. A single fall injury or property damage claim can substantially increase your general liability rates at renewal.
Types of properties serviced
Commercial buildings and industrial facilities carry higher liability risks than residential properties. High-rise installations and work on historical structures increase exposure to costly claims, while basic residential roofing presents lower risk levels.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Services offered
Specialized services like slate roofing, solar panel installation, or commercial flat roof work carry different risk levels. A company offering only basic shingle replacement faces lower premiums than one providing comprehensive commercial roofing services.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A small residential roofing company earning $200,000 annually pays less than a commercial roofing contractor with $2 million in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
More expensive roofing equipment and vehicles require higher coverage limits, increasing your premiums. A company using commercial-grade lifts, cranes, and specialized tools worth hundreds of thousands will pay more for equipment coverage than one using basic roofing equipment.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Roofing Business Insurance
Smart roofing contractors can lower their business insurance costs through strategic shopping and risk management, and these proven methods offer both immediate and long-term savings opportunities.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your roofing company needs prevents overpaying for unnecessary coverage. General liability insurance protects against customer property damage and injuries. Workers compensation coverage is essential for your crew's safety. Commercial auto insurance covers your work vehicles.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Request quotes from at least three insurance companies to find the best rates. Consider working with an independent agent who can compare multiple carriers for you.
- 3
Bundle your coverage types
Insurance companies offer significant discounts when you bundle multiple policies together. Combining general liability, commercial property and commercial auto insurance with one provider typically costs less than separate policies from different insurers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out of pocket for small claims, but you'll save money on regular premium payments.
- 5
Pay annually instead of monthly
Monthly payment processing fees can add up quickly. Paying your premium annually often earns you a discount and eliminates these extra charges.
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policy yearly to ensure you're not paying for unnecessary coverage. Adjust your limits based on your current business size and operations.
Insurance for Roofing Business Cost: Bottom Line
Roofing business insurance costs range from $97 to $836 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Roofing Business Insurance Cost: FAQ
Business owners often ask about roofing insurance costs, from basic liability to complete coverage packages. Here's what you need to know about common pricing questions.
What is the cheapest type of roofing business insurance?
Professional liability insurance costs $97 monthly, but it only covers errors and omissions.
Most roofing businesses need the more costly general liability insurance ($389 monthly) for protection against customer injuries and property damage claims.
How much can I save by bundling my roofing business insurance policies?
Bundling multiple policies through a business owner's policy (BOP) offers the most cost-effective insurance solution for roofing businesses, with potential savings when combining essential coverages under one plan.
What factors make my roofing business insurance more expensive?
Roofing insurance costs can be more expensive depending on company size, claims history, location risks, equipment value, project types, safety records and coverage limits.
General liability insurance is one of the more budget-friendly options for roofing businesses, with average monthly premiums of $389 to protect against common workplace accidents and property damage.
Should I choose a $500 or $2,500 deductible for my roofing business insurance?
Higher deductibles lower your monthly premiums but require larger out-of-pocket payments when filing claims. Consider your business's cash reserves and claim frequency when deciding.
How much does workers' compensation cost for roofing businesses by state?
Workers' compensation costs for roofing businesses vary from $726 monthly in Maine to $970 monthly in New York, with rates determined by your business location.
Is business owner's policy (BOP) worth the extra cost for roofing companies?
A business owner's policy costs $567 monthly on average and combines key coverages into one package. This bundled approach offers better value than purchasing separate policies.
How often should I shop around for roofing business insurance quotes?
Review your roofing business insurance quotes annually at renewal time. Compare at least three insurers to find better rates, particularly when your business grows or changes.
How We Determined Roofing Business Insurance Costs
We collected roofing business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small roofing businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the roofing industry.
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.