Roofing Insurance

Customized business insurance with competitive rates

Choose your primary coverage to get started:

Get a Quote

Return to Quote

Featured On

Rated 4.7/5

(5056 reviews)

Roofing contractors insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the roofing contractors insurance you need to protect your business from accidents, damaged vehicles, injuries and legal fees. Our insurance packages typically include:

General liability
Contractors’ E&O
Commercial auto
Tools and equipment
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for affordable roofer liability insurance and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of accidents and basic risks. With roofing general liability insurance, you’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. General liability might be required for a roofer license in your state, and it’s common for clients to ask for proof of coverage. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Contractors’ E&O

Coverage against business mistakes and claims of negligence

Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of reusing old flashing and a leak damages the property, your policy could help cover related expenses.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage for roofing business activities, such as bringing a load of shingles to a job site.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Equipment owned by you

Employee tools and clothing

Borrowed equipment

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

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.

Ofelia U.

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

Jesus C.

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.

Roofer insurance that covers all your needs

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

How much does roofing insurance cost?

Roofer insurance costs vary based on the risks that your business faces, such as:

The types of projects you work on
Where your projects are located
The types of vehicles you use at work

Roofers typically pay more for basic coverage than other types of professions due to the risks involved.

Learn more about roofing insurance costs and coverage.

Roofer insurance requirements

Roofers are often required to have insurance due to the risk of injury and property damage when working on private or commercial roofs. You might need insurance to:

Get a roofing license in your state.
Start work on a project. Clients might ask you to have active insurance — usually general liability — before you can work at their property.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance and personal auto policies might not cover business driving.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about insurance for roofing companies. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect roofers?

Our roofer business insurance packages are designed to protect you from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

If you accidentally break an eavestrough while repairing an older roof, the general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

The homeowner trips over a pile of shingles in their driveway. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A homeowner accuses you of installing the wrong kind of shingles. E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Injuries and damage involving your business vehicles

You rear end someone in your work truck on the way to a job. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

You leave your extension ladder at a site and it gets run over by the garbage truck. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement and repair costs.

Damage to your own property

A frozen water pipe bursts in your office and causes significant flooding. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, 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 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 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.