Roofing business insurance averages $473 monthly, with costs ranging from $97 to $567 based on your policy choices and location.
Get matched with cheap roofing business insurance below.
Updated: November 12, 2025
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Roofing business insurance costs range from $7,876 to $8,710 annually on average, depending on coverage type, state and sub-industry.
Your roofing insurance premiums depend on location, claims history, property types serviced and employee count when insurers calculate rates.
Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable roofing business insurance costs.
We found average business insurance costs for roofing companies for commonly needed coverage are as follows:
| BOP | $567 | $6,806 |
| General Liability | $389 | $4,672 |
| Professional Liability (E&O) | $97 | $1,170 |
| Workers' Comp | $836 | $10,037 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your roofing business's cost for general liability insurance varies by location. Maine delivers the best value at $338 monthly compared to the $389 national average, while New York reaches $453 monthly.
| Alabama | $382 | $4,588 |
| Alaska | $341 | $4,087 |
| Arizona | $370 | $4,445 |
| Arkansas | $374 | $4,488 |
| California | $434 | $5,212 |
| Colorado | $387 | $4,639 |
| Connecticut | $424 | $5,084 |
| Delaware | $419 | $5,027 |
| Florida | $422 | $5,065 |
| Georgia | $396 | $4,753 |
| Hawaii | $398 | $4,774 |
| Idaho | $370 | $4,436 |
| Illinois | $428 | $5,136 |
| Indiana | $380 | $4,563 |
| Iowa | $371 | $4,455 |
| Kansas | $379 | $4,544 |
| Kentucky | $363 | $4,355 |
| Louisiana | $434 | $5,212 |
| Maine | $338 | $4,056 |
| Maryland | $372 | $4,464 |
| Massachusetts | $409 | $4,909 |
| Michigan | $369 | $4,431 |
| Minnesota | $366 | $4,389 |
| Mississippi | $392 | $4,701 |
| Missouri | $385 | $4,625 |
| Montana | $388 | $4,658 |
| Nebraska | $369 | $4,426 |
| Nevada | $443 | $5,318 |
| New Hampshire | $388 | $4,653 |
| New Jersey | $442 | $5,301 |
| New Mexico | $392 | $4,705 |
| New York | $453 | $5,440 |
| North Carolina | $338 | $4,056 |
| North Dakota | $339 | $4,068 |
| Ohio | $362 | $4,341 |
| Oklahoma | $364 | $4,371 |
| Oregon | $362 | $4,346 |
| Pennsylvania | $450 | $5,395 |
| Rhode Island | $428 | $5,141 |
| South Carolina | $402 | $4,819 |
| South Dakota | $365 | $4,374 |
| Tennessee | $380 | $4,563 |
| Texas | $393 | $4,720 |
| Utah | $372 | $4,463 |
| Vermont | $374 | $4,493 |
| Virginia | $355 | $4,261 |
| Washington | $443 | $5,320 |
| West Virginia | $409 | $4,909 |
| Wisconsin | $383 | $4,592 |
| Wyoming | $361 | $4,327 |
Note: We based these general liability rates on roofing businesses with two employees across different states. Your rates will vary based on your location, claims history and the services you provide.
Workers' compensation insurance for roofing businesses ranges from $726 monthly in Maine to $970 in New York. State regulations and claim histories explain the $244 monthly difference.
| 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 |
Note: We based these workers' comp rates on roofing businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Professional liability costs vary across states. Businesses pay an average of $97 monthly for this coverage nationwide. Maine offers the most affordable rates, at $84 monthly, while Pennsylvania businesses have the highest costs, 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 |
Note: We based these professional liability rates on roofing businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Your state drives roofing business insurance costs, with business owner's policy premiums varying the most. BOP insurance costs $482 monthly in Alaska and $656 in New York for identical 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 |
Note: These BOP rates reflect roofing businesses with two employees. Your rates will differ based on your company size, location, and what coverage you buy.
Roofing business insurance ranges from $348 monthly with Thimble to $581 with biBERK. Each insurer prices differently based on their market focus and how they assess risk, which changes as they chase profits and expand coverage options.
| Chubb | $551 | $6,613 |
| Coverdash | $448 | $5,379 |
| Hiscox | $481 | $5,774 |
| NEXT Insurance | $399 | $4,791 |
| Nationwide | $513 | $6,161 |
| Progressive Commercial | $456 | $5,469 |
| Simply Business | $447 | $5,370 |
| The Hartford | $433 | $5,202 |
| Thimble | $348 | $4,170 |
| biBERK | $581 | $6,969 |
Roofing business insurance costs depend on several factors insurers consider when calculating your premium.
Storm frequency and seasonal weather drive both demand and risk in your service territory. Contractors working in hail-prone regions or hurricane zones handle constant emergency calls that create more exposure than temperate climates with routine replacement work.
Falls from heights and botched installations generate the most serious claims for roofers. Prior incidents involving worker injuries or leaks from faulty workmanship will keep your insurance expenses elevated across multiple renewal periods.
Single-story residential reroofs represent the bread-and-butter work for most contractors. Companies tackling commercial flat roofs, multi-story buildings or industrial facilities encounter far greater complexity and corresponding liability that insurers price into policies.
Roofing consistently ranks among the most dangerous construction trades due to fall risks. Workers' compensation premiums reflect this reality, with rates per $100 of payroll higher than most other trades regardless of crew size.
Shingle replacement on pitched roofs carries standard risk for this industry. Contractors expanding into flat roof systems, metal installation or steep-slope specialty work have additional hazards that push premiums upward.
Project volume and annual billings signal your overall claim probability. Small outfits completing 40 residential jobs for $180,000 yearly operate very differently than established companies running multiple crews and generating $900,000 across commercial contracts.
General contractors and building owners commonly require substantial insurance before you can bid. Meeting $2 million minimum liability thresholds for commercial work costs more than the $1 million policies adequate for residential projects.
Ladders, safety harnesses, nail guns and work trucks accumulate substantial value quickly. Contractors investing in boom lifts, hot tar kettles and material hauling equipment need considerably more property coverage than crews working with basic tools.
Financial standing matters greatly given the high claim costs associated with roofing work. Solid credit and clean financials unlock better rates, while credit issues or cash flow problems often result in premium surcharges that strain already tight construction margins.
Cutting your roofing business insurance costs takes careful planning and smart decision-making. Our step-by-step guide can help you every step of the way. By following proven strategies, you can secure the best cheap business insurance for your roofing company while strengthening your risk profile for long-term protection and savings.
Roofing contractors need general liability to cover property damage and injuries from falling debris, professional liability for installation mistakes and leaks, and completed operations coverage because roof problems often show up months or years after you finish the job.
You'll also need commercial auto for work trucks, inland marine for tools and equipment, and workers' compensation for fall injuries. Consider excess liability too, since roofing claims can blow past standard policy limits.
Roofing insurance costs more because of fall risks and weather exposure. Your premiums change based on what work you do: residential repairs, commercial flat roofs, or steep-pitch specialty projects. Insurers that focus on contractors know OSHA fall protection rules and weather claim patterns. General business carriers don't.
Bundle general liability, professional liability and commercial auto to save 20% to 28% compared to buying each separately. Most insurers sell roofing contractor packages with tools, equipment, and excess liability already bundled at lower prices.
Raising equipment deductibles to $2,500 to $5,000 cuts premiums by 22% to 30%, but specialized roofing tools and safety gear cost a lot to replace. Keep general liability deductibles lower because falling materials, property damage, or serious fall injuries can trigger lawsuits over $100,000.
Monthly payments add 6% to 12% in processing fees. On a $20,000 roofing policy, that's $1,200 to $2,400 wasted each year. Pay annually to avoid these fees and earn 5% to 9% discounts from contractor insurers.
Update your policy when you hire more roofers, start doing commercial or multi-story jobs, or buy specialized equipment like hot tar kettles or crane lifts.
You might qualify for big discounts if you've added strong fall protection programs, earned safety certifications, or gone claim-free for a year.
Roofing business insurance costs between $97 and $567 per month, though your actual premium depends on factors such as your location, business size and claims history. You can often lower your insurance costs by comparing quotes from several insurers, bundling your policies, opting for higher deductibles and paying annually rather than monthly.
Roofing business owners commonly ask about insurance costs. We answered the most frequent questions below:
Professional liability insurance is the cheapest at $97 monthly, but it covers only errors and omissions. Most roofing companies need general liability coverage ($389 monthly) since it protects against customer injuries and property damage claims.
You'll pay more in these states. General liability in California runs $434 monthly (versus $389 national average), and BOP costs $626 monthly (versus $567 average). New York is similar at $453 and $656, respectively.
Combining policies with one insurer delivers greater savings than purchasing them separately. Insurers reward roofing businesses with discounts when bundling general liability, commercial property and commercial auto coverage together.
Roofing insurance costs increase due to high injury risks, weather exposure, expensive equipment, workers' compensation claims, liability concerns, poor safety records and challenging work environments.
Higher deductibles reduce monthly premiums, though you'll have larger out-of-pocket costs per claim. Consider your available cash reserves and anticipated claim frequency.
Workers' compensation costs for roofing businesses vary by state, spanning from $726 monthly in Maine to $970 monthly in New York.
Yes, BOP insurance makes sense for roofing companies. You'll pay $567 monthly for bundled general liability, commercial property, and business interruption coverage. The package costs less than buying three policies separately and keeps everything simple.
Compare quotes every year when your policy renews. Getting rates from three or more insurers can save you money, especially after you hire people or add new services.
We collected roofing business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small roofing business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
