Roofing Insurance

Save up to 25% on business insurance for roofers.*

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Roofing insurance can help protect you from

Injuries or damages

Someone gets hurt on a job site or you accidentally damage a client’s building while working.**

Stolen or damaged tools

Your essential tools and business equipment are stolen, lost or damaged at work or on the way to a job site.

Professional mistakes

A client claims you made a mistake in your work project that resulted in financial loss or didn’t meet agreed standards.

Get roofing insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Roofers insurance can help protect you, your company and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in business insurance for roofers

Roofing insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for roofing

Protection for damage to other people's property and injuries to non-employees

General liability might be required for a roofer license in your state, and it’s common for clients to ask for proof of coverage before they’ll sign a contract. Even if it’s not required, roofing general liability coverage can provide financial protection if someone other than an employee gets hurt while you’re working, or if you or your employees accidentally damage property that doesn’t belong to you.

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal fees and judgments

Employment practices liability

Contractor’s E&O insurance

To help protect you from errors and mistakes on a job

Contractor’s errors and omissions insurance (contractor’s E&O), an optional add-on to a general liability policy for contractors, could help cover costs if you’re accused of making workmanship errors that cost a client money. For example, if you’re accused of doing a shoddy job installing shingles, contractors’ E&O could help cover expenses to fix the problem or defend your business against legal action.

professional liability can help you pay for:

Workmanship mistakes

Legal defense costs

Legal judgments

Roofers Workers’ Compensation insurance

For employee work-related injury and illness

Most states require workers comp coverage as soon as you hire your first employee. And you might need coverage before you can get your roofer’s license. Workers’ compensation insurance for roofing work can help cover medical costs, lost wages and employer liability if someone on your crew gets injured or sick from work.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

Tool and Equipment insurance

Protection for your essential business gear

Tools and equipment coverage, also called inland marine insurance, is an add-on to ERGO NEXT general liability insurance for roofers. This type of liability coverage can help protect your roofing equipment in your vehicle, in a trailer or at a job site. If you regularly travel with equipment and gear to work, tools and equipment insurance can offer some protection against damage or theft.

inland marine can help you pay for:

Stolen or damaged tools at a job site

Equipment breakdowns or accidental damage

Some repair or replacement costs

Commercial Property insurance

For business owners who own or rent physical spaces

If you’re a roofer or in construction of any kind, your gear is your livelihood. Commercial property insurance could help cover costs if the tools or gear in your shop, warehouse or workspace are damaged by fire, theft, vandalism and some harsh weather events.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

ERGO NEXT Insurance reviews

NEXT is the BEST

In need to commercial insurance, NEXT is your one stop shop!

gilbert f.

Chris Reinitz Construction

Best insurance should be your next insurance for your small business

Chris R.

Awesome

The best insurance company I've delt with by far.

Jared B.

Great service

Very easy to use site

Theodore S.

Quick service.

They were just there for me instantaneously.

MattHew H.

New to NEXT Insurance

I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.

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Pleased

I heard about NEXT via a instagram post and it piqued my interest. I was pleasantly surprised at ease of website and the value Would highly recommend

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Next is the BEST

Best customer service ever! Everyone was quick to respond with everything I needed

christopher h.

consolidating insurance

My sales provider help me thru the process. It was so easy.

kelly J.

General Liability

Super simple process

Jordan S.

Save up to 25% in discounts on roofing insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$300,000

Tools & Equipment

Per occurrence

$3,000

Commercial Property

Per occurrence

$25,000

Pro

How much does roofing insurance cost?

Premiums for roofers are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

The type of work you do
The types of clients you have
Your business location
Your number of employees
Annual revenue
The coverage limits and deductible you choose
Your insurance claims history

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

How can insurance for roofing help your business?

You might need roofers insurance to help your business:

Get a roofing license in your state. Proof of business insurance may be a requirement before you’re legally able to bid.
Start work on a project. Many clients ask you to have active insurance — usually general liability — before you can work on their property.
Repair or replace property you own or rent. Business insurance coverage could help to protect your inventory, equipment and the commercial workspace you lease or own.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.

Roofing insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

How can business insurance protect roofers?

Roofer business insurance could protect you from a variety of business risks and financial losses related to:

Damage to someone’s property

If you accidentally drop your hammer on a client’s car while repairing an older roof, liability coverage could help cover the costs of repair.

Accidents that hurt someone

A homeowner trips on a pile of shingles in their driveway while you’re working. Your coverage could help pay for medical costs and legal fees.

Injuries and damage involving your business vehicles

You rear end someone in your work truck on the way to a job. Commercial auto coverage, usually required by law for business-owned vehicles, could help with repairs.

Theft or damage to your tools

You leave your extension ladder at a site and it gets run over. Insurance could help pay for replacement and repair costs.

Damage to your own property

A frozen water pipe bursts in your workspace and causes significant water damage. Property insurance could help with costs if your owned or leased property is damaged.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.