Insurance for Roofing and Siding Contractors
Roofing and siding contractors work at heights with power tools, heavy materials, and constantly changing weather conditions. Falls, property damage from dropped materials, and water infiltration from incomplete work are all common exposures. Roofing is consistently classified as one of the higher-risk trades by insurance carriers — which means having the right coverage, properly structured, is critical for your business.
Key Coverages for Roofing and Siding Contractors
- General Liability - Covers third-party bodily injury and property damage arising from your roofing and siding work, including completed operations coverage for leaks and failures discovered after a project is done.
- Workers Compensation - Covers employees injured on the job — falls from roofs are one of the leading causes of serious construction injuries. Required in most states and essential for any roofing crew.
- Tools and Equipment - Protects your nail guns, compressors, ladders, and other owned tools against theft and damage on and off the job site.
- Commercial Auto - Covers your trucks and trailers used to transport roofing materials, ladders, and equipment.
- Umbrella Liability - Extends your liability limits for large commercial roofing projects where higher limits are required by contract.
Why Roofing Insurance Is More Complex
Many standard carriers restrict or exclude roofing work. The height exposure, the frequency of completed operations claims (leaks discovered after installation), and the severity of fall-related injuries all make roofing a specialty class. We work with carriers who specifically underwrite roofing contractors and can structure your policy to properly cover the full scope of your work — including steep-slope, commercial, and storm restoration roofing.
Frequently Asked Questions
Will my policy cover storm restoration and insurance claim work?
Yes. Storm restoration roofing is covered under a standard roofing contractor policy. We make sure your policy does not contain exclusions that would leave you exposed on insurance claim work or emergency repairs.
Do I need separate coverage for subcontractors I use during busy season?
Subcontractors should carry their own workers compensation and general liability. We help you establish proper subcontractor insurance requirements and certificate collection procedures to protect your business from uninsured sub exposure.