Roofing contractors face more risk than most trades. We'll help you build a policy that covers what matters most, from liability claims to employee injuries to your tools and vehicles.
Roofing Insurance
Protect your roofing business from the unique risks you face every day. From falls and property damage to employee injuries and equipment theft, we'll find the right coverage at the right price.
General liability and workers' compensation coverage
Commercial auto and equipment protection
Coverage that satisfies GC and homeowner requirements
Competitive rates from carriers who insure roofers
Insurance Built for Roofing Contractors
Roofing is one of the most dangerous trades in construction—and one of the hardest to insure. High workers' comp rates, property damage exposure, and the constant risk of falls mean most insurance companies either won't cover roofers or charge excessive premiums.
At WeatherBee's, we specialize in roofing insurance for contractors who do the work right. We work with carriers who understand roofing and are willing to offer competitive rates for well-run operations.
Roofing Contractors We Insure
We work with roofing contractors of all types and sizes, from one-truck operations to large commercial roofing companies. Here are some of the roofing businesses we specialize in:
Commercial Roofers
Large-scale commercial and industrial roofing, TPO, EPDM, modified bitumen, built-up roofing, and metal.
New Construction
Roofing contractors working on new residential and commercial builds with general contractors.
Roof Repair
Contractors focused on repairs, leak detection, maintenance programs, and emergency services.
Storm Damage
Roofers specializing in storm restoration, insurance claims, and hail damage repairs.
Solar Roofing
Roofing contractors who install solar panels or solar-integrated roofing systems.
Roofing Subcontractors
Subs working under general contractors on residential and commercial projects.
Gutter & Siding
Roofers who also install gutters, siding, or exterior trim as part of their services.
Why Roofing Contractors Choose WeatherBee's
Knowledge
We understand roofing risks, fall exposure, completed operations, high workers' comp rates, and what GCs require from subs.
Pricing
We work with carriers who specialize in roofing and offer competitive rates, even for high-risk operations.
Experience
Years of insuring roofing contractors. We know which carriers will write roofers and how to present your business.
Local Agency, Big Reach
A local team who answers your calls, backed by access to specialty roofing insurance markets nationwide.
Real Businesses. Real Coverage. Real Results.
We've helped hundreds of business owners across the US find the right coverage, without the runaround. Here's what they have to say.
Getting covered shouldn't be complicated
We've simplified the process so you can get back on the roof.
Get Your Roofing Insurance Quote
Tell us about your roofing business, and we'll get back to you with coverage options, usually within 24-48 hours. Whether you're a small residential crew or a large commercial roofing company, we work with carriers who specialize in roofing and can offer competitive rates. Call us at 704-993-9060 to speak with a roofing insurance specialist today.
Roofing Insurance Carriers We Work With
We partner with A-rated carriers that specialize in contractor and construction risks, including those that actively write roofing contractors. That means competitive rates and underwriters who understand your business.
Roofing Insurance FAQs
Q What insurance does a roofing contractor need?
A
Most roofing contractors need general liability, workers' compensation, and commercial auto insurance. You should also have tools/equipment coverage and consider an umbrella policy for larger contracts.
Q How much does contractor insurance cost?
A
Costs vary widely by trade. General liability for a low-risk contractor (like a painter) might cost $500–$1,500/year, while a roofer or electrician might pay $3,000–$7,000 or more. Workers' comp adds significantly to the cost, especially for high-risk trades.
Q How much does roofing insurance cost?
A
Costs vary widely. A small residential roofing company might pay $20,000-$40,000/year for comprehensive coverage, while a larger commercial operation could pay $75,000-$150,000 or more. Workers' comp is typically the largest expense.
Q Why is roofing insurance so expensive?
A
Roofing is classified as high-risk due to fall hazards, potential property damage, and high injury rates. Workers' comp rates for roofers are among the highest in construction, often $15-$30+ per $100 of payroll.
Q What is completed operations coverage?
A
Completed operations covers claims that arise after a job is finished. If a roof you installed two years ago leaks and damages the homeowner's interior, completed operations coverage protects you from that lawsuit.
Q Do I need workers' comp if I'm a sole proprietor?
A
Requirements vary by state. Some states allow sole proprietors to opt out, but many GCs and homeowners require all contractors to carry workers' comp regardless. It's also smart protection if you ever hire helpers.
