Next Insurance

roofing insurance costs and coverage

You can save up to 25% in discounts on business insurance.*

Next Insurance, small business insurance
Featured OnlogologologologologologologologologologoRated 4.8/5

How much does roofing insurance cost?

Roofing insurance can cost as little as $62.5 per month¹ but the exact price will vary depending on your specific circumstances and needs.**

The kind of work you do, where you work, how many employees you have and other factors will impact your customized quote.

It’s important to provide the most accurate information about your business to make sure you get the coverage that is right for you, so that your claims are covered by your policy and so that any claim you might make is processed as quickly as possible.***

¹ Based on general liability minimum premium for roofing businesses in Texas. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary. Policy documents govern.

What are the coverage and pricing options for roofing insurance?

We offer customized packages to each customer so you can find the coverage that you want. You pay only for what you need.

Roofing business owners like you typically purchase a combination of coverage in their insurance package, including:

  • General liability — can help protect you if bodily injury or damage to someone else or their property occurs
  • Tools & equipment — can help protect you if your tools are lost, damaged or stolen
  • Commercial property — can help protect you if you own your own building, lease property or work from home

After you answer a few basic questions with our online instant quote, you can review your options and choose the amount of coverage you want from our Basic, Pro and Pro+ packages.

Continue reading to learn more about how much different types of insurance costs and their coverage limits.

How much is roofing General Liability insurance?

General liability insurance costs 100% of our customers $496 on average per month.   

It can help to protect your business from financial losses related to customer injuries, accidental damage to someone’s property and copyright infringement.

Monthly General Liability insurance costs for roofing

Learn more about general liability insurance.

Most of our customers can expect to pay:

Between $55 and $496 per month, or about between $660 and $5,953 annually (we don’t charge any additional fees for monthly payments).

Per occurrence limit:

$300,000 to $1 million, depending on your policy (“Per occurrence” refers to the most amount of money you’ll receive after a field claim is approved).

Aggregate policy limit:

$300,000 to $2 million, depending on your policy (“Aggregate policy limit” refers to the amount of money your policy will cover, usually about a year).

Deductible:

$0 (a “Deductible” is the amount of money you’d have to pay out of pocket if you made a claim).

How much is roofing Commercial Property insurance?

Commercial property insurance costs 59% of our customers between $31 and $55 on average per month.    

Commercial property insurance can help with replacement costs or repairs to your equipment, inventory and real estate (if you own it) if damage is caused by faulty sprinklers, frozen pipes, a power surge or other covered event.

Since property insurance sets limits based on what you need in a specific situation, coverage is unique to every customer.

Monthly Commercial Property insurance costs for roofing

Learn more aboutcommercial property insurance.

Most of our customers can expect to pay: 

Between $31 and $55 per month, or about between $371 and $661 annually (we don’t charge any additional fees for monthly payments).

Deductible:

$500

How much is roofing Tools & Equipment insurance?

Tools & equipment insurance costs 62% of our customers $23 on average per month.

Tools and equipment coverage (sometimes referred to as Inland Marine insurance) makes sure your gear is protected wherever you take it. This coverage is available as an add-on to our general liability insurance for contractors and cleaning businesses.

Monthly Tools & Equipment insurance costs for roofing

Learn more about tools & equipment insurance.

Most of our customers can expect to pay: 

$23 per month, or $282 annually.

Blanket equipment per occurrence limit:

$3,000 to $10,000, depending on your policy.

Blanket equipment per item limit:

$3,000 to $5,000, depending on your policy.

Blanket equipment deductible:

$500

Blanket misc per occurrence limit:

$600 to $1,000, depending on your policy.

Blanket misc per item limit:

$600 to $1,000, depending on your policy.

Blanket misc deductible:

$100

How do I get a quote for roofing business insurance?

Start an instant quote. We’ll ask you some basic questions about your business and operations, which we’ll use to create a customized insurance quote.

If you like what you see, you can adjust the package limits to fit your preferences and make your purchase. 

Your insurance will begin immediately after payment, and you’ll have access to your certificate of insurance. The self-service tools also allow you to pay premiums, add an additional insured and file claims. 

The streamlined process, which can be completed without needing to talk to an agent, makes it possible to purchase insurance in a matter of minutes. 

And if you do have questions, our licensed, U.S.-based insurance professionals are ready with the answers.

Start a free instant quote today.

 

Disclaimers

*Coverage and discount availability and eligibility varies, not available in all states.

**The cost data presented here are based on NEXT active customers data obtained over the previous 12 months. The minimum price is based on each type of insurance’s lowest price for businesses operating in Texas. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in July 2022.

*** To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.

 

 

 

You can save up to 25% in discounts on roofing insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Commercial Property
Per occurrence
$25,000

Related Posts

Image for a link

Glazier Insurance cost

Image for a link

Painters Insurance cost

Image for a link

Drywall Contractor Insurance cost

Take a look at some helpful blog posts

Roofing Marketing Ideas to Help You Reach New Business Heights
Grow

Roofing Marketing Ideas to Help You Reach New Business Heights

Roofing license requirements by state: How to get a roofing license
Start

Roofing license requirements by state: How to get a roofing license

How roofers can avoid water damage insurance claims
Protect

How roofers can avoid water damage insurance claims