What insurance does a roofer need?
Not all professions face the same risks. Below is a breakdown of every coverage type relevant to roofers — what each one covers, whether it's required, and what you should expect to pay in 2026.
General LiabilityRequired
$150–$400/mo
Essential for roofers. Covers property damage from roofing work and injuries to clients and bystanders.
Workers CompensationRequired
$200–$500/mo
Roofing has one of the highest injury rates of any trade. Workers comp is mandatory for employees in virtually every state.
Commercial AutoRequired
$80–$180/mo
Covers your trucks, trailers, and equipment transport.
Inland Marine
$20–$50/mo
Covers roofing equipment including nail guns, compressors, and ladders.
Advertisement — In-Content
Top risks for roofers
- Employee fall from roof
- Property damage during installation
- Water damage from improper installation
- Hail or wind during active job
- Vehicle accident
How much does insurance cost?
Most roofers pay $300–$800/month for a complete coverage package. Your exact cost depends on your state, annual revenue, whether you have employees, your claims history, and the coverage limits you choose.
Frequently asked questions
Why is roofing insurance so expensive?
Roofing consistently ranks among the most dangerous trades. High fall-related injury rates and significant property damage potential result in some of the highest insurance premiums in construction.
What if my employee falls off a roof?
Workers compensation covers medical expenses and lost wages for employee fall injuries. Without it, you face unlimited personal liability for employee injuries.
Do I need insurance to get a roofing license?
Most states require proof of general liability and workers comp insurance before issuing a roofing contractor's license. Requirements vary by state.
How to get the best rate
The fastest way to find the lowest rate is to compare multiple carriers side by side. Most roofers can get quotes from 3–5 insurers in under 10 minutes and receive their certificate of insurance the same day.