Roofing contractors have long struggled to find affordable insurance coverage, as the price of roofing insurance can be significantly higher than for other types of construction services. This struggle is likely to continue, as the cost of roofing materials and labor continue to rise.

There are a number of factors that contribute to the high cost of roofing insurance. First, roofing work is inherently dangerous, and accidents or injuries can easily occur. Second, roofing materials are often expensive, and the replacement or repair of damaged roofing can be costly. Finally, roofing contractors often work on very tall buildings, which can present a greater risk in the event of an accident.

Despite the challenges, there are a few things that contractors can do to help reduce the cost of their roofing business insurance. Let us learn more about this financial product so you can make an informed decision. 

Types of Insurance Policies 

There are two primary types of roofing business insurance: workers compensation and liability insurance.

Liability Insurance

As a roofing business, you know that accidents can happen. That’s why it’s important to have insurance that covers property damage or bodily injury that you or your crew may cause while working on a roof.

There are a few things to keep in mind when it comes to roofing business insurance. First, make sure you have the right coverage for your business. There are many different types of insurance policies out there, so it’s important to find one that meets your specific needs.

Next, be sure to understand your policy. What does it cover? What doesn’t it cover? Make sure you know so that you can be prepared in the event of an accident.

Finally, don’t forget to shop around for the best rates. Insurance is an important part of any business, but it doesn’t have to be expensive. By shopping around, you can find a policy that fits your budget and provides the coverage you need.

Workers Compensation

Unless you are subcontracting out all of your work, chances are workers compensation will be your largest insurance expense. Here are some things to keep in mind when it comes to workers compensation:

– Workers compensation is required in most states if you have employees.

– Workers compensation covers medical expenses and lost wages for employees who are injured on the job.

– Workers compensation rates are based on your company’s payroll and the type of work your employees do.

– You can usually get a discount on your workers compensation insurance if you have a good safety record.

If you have employees, workers compensation is something you need to be aware of. It can be a significant expense, but it is also important to have in case of an accident. Keep these things in mind when it comes to workers compensation and you’ll be able to make the best decision for your business.


There are two types of roofing business insurance: liability insurance and workers compensation. Both types of insurance are important for different reasons. Liability insurance protects your business from lawsuits, while workers compensation protects your employees in the event of an injury. Make sure you understand the difference between the two types of insurance and purchase the coverage that is right for your business.

If you want to make the most out of your roofing business insurance, you should consult Pascal Burke Insurance Brokerage Inc. We will find the most suitable coverage, so that you can get the right policy without going over your budget. So, contact us now for a quote!