Insurance for Roofing Contractors

Roofing is one of the highest-risk trades in construction. Falls from roofs are the leading cause of construction fatalities in the United States. The elevation hazard, weather exposure, and physical demands of roofing work mean that insurers price it accordingly. That said, contractors with clean claims histories, strong safety programs, and proper licensing can still find competitive rates. Altamira works with carriers that specialize in roofing contractors and can find better pricing than standard markets.

In most states, yes. California, Nevada, Arizona, and Utah all require workers' compensation for employers with at least one employee. Given the fall hazard in roofing, workers comp claims can be extremely expensive — a single fall injury can result in hundreds of thousands of dollars in medical bills and lost wages. Workers comp is non-negotiable for roofing businesses with employees.

Most residential roofing contractors carry $1M/$2M general liability. Commercial roofing projects often require higher limits — $2M/$4M is common, and some GCs require a $2M–$5M umbrella on top of that. Your GL policy should also include a completed operations extension since roofing defect claims (leaks, improper installation) frequently surface well after job completion.

Yes. Altamira offers fast, professional service for most roofing contractor insurance policies. We can bind coverage and issue a certificate of insurance the same day for qualifying accounts. Call us directly at (435) 272-8042 for urgent requests and we will prioritize your application.