Everything You Need to Know About Roofing Insurance

As a business owner or facility manager, you know that maintaining a robust and reliable roofing system is vital for your establishment. When choosing a commercial roofer, you should not overlook the type of insurance coverage they have. Roofing insurance not only safeguards you from potential liabilities but also ensures that you are working with a credible contractor. Let’s look at the different types of roofing insurance that every client company should expect from their commercial roofing partner.

What Is Roofing Insurance?

According to this 5-star commercial roofing company in Johnson City, TN, roofing insurance is a collection of policies that roofing companies carry to protect themselves, their employees, and their clients from various risks and liabilities associated with the roofing industry. A roofing contractor’s insurance coverage can impact the level of financial protection and quality assurance their clients receive during their projects. Therefore, understanding what types of insurance your prospective roofing contractor has is crucial to the vetting process.

Types of Insurance for Roofing Companies

Below are the five primary types of insurance policies that all reputable roofing contractors should hold:

1. General Liability Insurance

General liability insurance is essential for all commercial roofing companies. It covers property damage, bodily injuries, and advertising injury claims that may result from their work. If your property is damaged or someone gets injured during the roofing project, the general liability insurance can cover the costs, keeping you protected.

2. Business Owner’s Policy

A business owner’s policy (BOP) is a comprehensive package combining general liability insurance and property insurance for small to medium-sized businesses. Roofing contractors with a BOP are well-covered, ensuring that potential financial losses are minimized in unexpected situations like theft or natural disasters.

3. Worker’s Compensation Insurance

Worker’s compensation insurance is mandatory for any commercial roofing company with employees. It covers medical expenses, lost wages, and rehabilitation costs for workers who may suffer injuries while on the job. As a business owner, this policy protects you from liability if a contractor’s employee is injured while working on your roof.

4. Contractor’s Tools & Equipment Insurance

Roofing contractors rely heavily on their tools and equipment to complete projects efficiently and effectively. Contractor’s tools and equipment insurance protect these valuable assets, covering the cost of replacement or repair if they are lost, damaged, or stolen. When your chosen roofing contractor has this insurance, it ensures minimal delays in your project due to damaged or missing tools.

5. Professional Liability Insurance

Professional liability insurance is also sometimes called errors and omissions (E&O) insurance. It covers contractors if their work does not meet the agreed-upon standards or causes financial loss to a client. This policy offers you peace of mind, knowing you’ll be compensated if the work quality or outcome is lacking.


Ask your prospective roofing contractors whether they possess these necessary policies. The degree of financial protection they offer will demonstrate their commitment to delivering top-notch services to their clients. As long as you understand these different types of roofing insurance, you are empowered to hire the most trustworthy contractor and one step closer to a successful and worry-free roofing project.