Roofing Contractor Insurance

Specialty insurance solutions tailored to your unique needs.
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Stop settling for inadequate coverage and experience true peace of mind with XINSURANCE.

Roofing contractors deal with daily risks and liabilities. Don’t settle for insufficient coverage. We can provide customized insurance solutions that protect you and your business from accidents, weather damage, and more. Find peace of mind and flourish in your industry with XINSURANCE.

What is Roofing Contractor Insurance and Why You Need It

Liability insurance for roofing contractors can protect them from legal responsibility or financial obligations that may arise from injury to individuals or damage to their property while working on a roofing job. This insurance can cover accidents at the job site and can provide financial protection to the contractors in case of any lawsuits that may arise from the job.

Having liability insurance as a roofing contractor cannot be emphasized enough. Roofing is a high-risk job, and accidents can happen at any moment. Therefore, roofing contractor insurance provides peace of mind to contractors because they know they have comprehensive insurance that can protect them in the event of an accident, incident, claim, or lawsuit.

Don’t take risks with your business; protect yourself and your clients today by getting the essential liability insurance coverage that will provide peace of mind and safeguard your finances against unforeseeable mishaps.

Who We Can Help

  • Roofing Contractors
  • Siding Contractors
  • General Contractors
  • Home Improvement Contractors
  • Employed Roofing Professionals
  • Self-Employed Contractors
  • And More!
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Roofing Contractor Insurance Coverage Options

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Equipment Coverage

Can provide physical damage protection for applicable equipment while it is being used, rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Fail to Tarp or Protect the Property

Can cover damages resulting from inadequate measures to protect a client’s property during a roofing project. Property may include furniture, carpets, or other belongings during a project, leading to damages. This could include damages caused by rain, hail, or other weather-related incidents.

Hot Tar and High-Risk Applications

Can provide protection for damages or liabilities arising from using hot tar or while performing high-risk applications.

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Alleged Assault and Battery Liability

Coverage for claims against you or your employees regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you or your employees regarding sexual abuse and/or molestation.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Insurance for Roofing Contractors

What Types of Insurance Coverage Do Roofing Contractors Need?

The type of insurance coverage needed as a roofing contractor will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick the coverage you want on your insurance policy.

That said, roofing contractors typically need general liability insurance, professional liability insurance, equipment coverage, property coverage, and more. This can help cover accidents that cause injuries or property damage to third parties as well as claims for negligence, errors or omissions in professional services, and more.

How Does Liability Insurance Protect Me as a Roofing and Siding Contractor?

If you’re a roofing or siding contractor, a liability insurance plan can protect you and your business in three key ways:

  • Protection for property damage: Your plan can cover costs arising from property damage due to incidents like falling debris and equipment malfunctions.
  • Protection for medical expenses: Bodily injuries can happen despite your most diligent safety efforts, but a liability insurance plan can cover medical bills so you don’t have to. Please note that we do not provide workers’ compensation.
  • Protection for quality disputes: Some clients may claim that you completed the job incorrectly or didn’t do it at all. Liability insurance can help you make your case clear.

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We can also help you if you have a claims history or if you’re new to the roofing or contractor industry.

In short, we provide an insurance solution when others can’t or won’t.

Why Should I Have Roofing Contractor Insurance?

You need roofing contractor insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some areas, liability insurance may be required.

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Insurance for Roofing Contractors

We can provide insurance solutions to roofing contractors in all 50 states! If you already have an insurance policy, we can review it to identify any gaps or exclusions that are leaving you exposed. We can then offer coverage solutions to fill those gaps and provide you with true peace of mind.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service