Business Owners Policy Insurance for Residential Roofing Contractors
A business owners policy (BOP) bundles commercial property insurance and general liability into a single, cost-effective package for residential roofing contractors. If you own or lease office space, a warehouse, or a yard where you store materials and equipment, a BOP protects those assets while also providing liability coverage for your operations.
What It Covers
A BOP covers your business property including your office building or leased space, warehouse contents, stored materials, office equipment and computers, and business records. The liability component covers third-party bodily injury and property damage similar to a standalone GL policy. Most BOPs also include business interruption coverage, which pays lost income if a covered event like a fire shuts down your operations temporarily.
What It Does Not Cover
A BOP does not cover your employees (workers comp is separate), your commercial vehicles (auto policy required), or professional errors. It typically excludes flood and earthquake damage, which require separate policies. Most BOPs have revenue caps and employee count limits, so larger roofing operations may not qualify and need standalone commercial property and GL policies instead.
Real Claim Examples
A fire at your roofing warehouse destroys $80,000 in stored shingle inventory and damages the building. A burst pipe in your office floods the space, destroying computers, records, and furniture. A visitor to your office trips over equipment in the parking area and breaks a wrist, filing a liability claim.
How Much It Costs
Business owners policies for residential roofing contractors cost between $1,800 and $5,000 per year depending on the value of your property, amount of stored inventory, location, and revenue. Contractors with dedicated warehouse space and significant material inventory will pay more. BOPs are generally 10-15% cheaper than purchasing property and GL coverage separately.
Why Work With Us for This Coverage
Not every carrier will write a BOP for roofing contractors due to the perceived risk of the trade. We know which carriers offer BOPs specifically structured for contractor operations, including adequate business interruption limits and coverage for materials stored in non-climate-controlled facilities.
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Looking for the commercial version?
View commercial coverage page