Roofing Insurance

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

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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.

General Liability

Bought by 95% of business owners like you

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

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Contractors’ E&o

Bought by 80% of business owners like you

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.

Contractors’ E&o can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

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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

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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.

Tools & Equipment can help you pay for:

Equipment owned by you

Employee tools and clothing

Borrowed equipment

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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

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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.

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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.

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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’ll 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 would help pay for a replacement.

Accidents that hurt someone

The homeowner trips over a pile of shingles in their driveway. Your general liability coverage would 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 will 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?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Roofing Insurance

Roofing contractors insurance designed to protect your business

Roofer insurance that covers all your needs