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Get a ballpark estimate of what your roofing business should expect to pay for general liability, workers compensation, commercial auto, and umbrella coverage. Enter your details below for an instant breakdown.
Insurance premiums for roofing contractors are driven by several key factors. Workers compensation is typically the largest cost, with NCCI class code 5551 carrying some of the highest rates in construction. Your state, payroll, and experience modification rate (EMR) all play a role.
General liability premiums are based on your revenue, the type of roofing work you perform, and your claims history. Commercial roofing typically costs more to insure than residential due to the higher per-project exposure. Your loss history over the past five years has the most significant impact on available rates.
Commercial auto costs depend on the number of vehicles, driver records, and whether your fleet includes heavy trucks or just pickups. Umbrella coverage sits on top of all your primary policies and has become more expensive industry-wide since 2020 due to rising jury awards in commercial auto and liability cases.
The estimates above are based on industry averages and should be used for budgeting purposes only. For an actual quote based on your specific operation, loss runs, and EMR, contact a roofing insurance specialist.
These estimates give you a starting point. A roofing insurance specialist can review your loss runs, EMR, and operations to provide accurate pricing from multiple carriers.
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