The Hartford doesn’t offer roofing insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Roofing Company Insurance?
Roofing insurance is made up of different types of business insurance coverages designed to help protect you from the many risks you face every day, including slick surfaces, unpredictable weather and working in high places. It can help cover a variety of jobsite injuries, damages to a client’s property and stolen tools or materials.
Although The Hartford doesn’t offer roofing business insurance, we help connect roofers to Tivly, so you can get the coverage you’re looking for.
Why Might You Need Roofing Contractor Insurance?
As a roofing contractor, insurance helps protect your business from the unique challenges of your work. Whether it’s an employee injury or damage to a customer’s home, the right type of coverage can help you deal with setbacks.
Roofing insurance can help protect your business from many potential risks, like:
- Bodily Injury: A worker falls from a ladder, leading to expensive medical bills.
- Equipment Theft: Someone steals your tools from a jobsite, leaving you without the equipment needed to finish the project.
- Property Damage: You accidentally damage a client’s siding while working on their roof and have to pay to repair it.
Who May Need Roofing Insurance?
If your business specializes in roofing, insurance coverage can help make you better prepared for setbacks. Insurance can help various roofing businesses, such as:
- Roofing contractors
- Subcontractors
- Construction companies
- Sole-proprietors or self-employed roofers
What Roofing Insurance Coverage Options Might I Need?
When it comes to protecting your roofing business, you’ll need coverage that matches your potential risks. Many roofers have a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect your roofing business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building that you operate from, as well as the tools, inventory, equipment and supplies you rely on. These can include:
- Nail guns
- Ladders and scaffolding
- Power tools
- Shingles
- Underlayment
- Plywood
Business income insurance helps replace your lost income if you can’t operate your roofing company temporarily because of covered property damage caused by fire, wind or theft.
It’s important to know that a BOP won’t cover every kind of claim you might face as a roofer. You’ll need to get other types of insurance to have well-rounded protection, including:
Workers’ compensation insurance to give your employees benefits to help them recover from a work-related injury or illness.
Commercial auto insurance to help cover claims from an accident that your business causes when you or an employee uses a company-owned vehicle for work.
How Much Does Insurance for Roofers Cost?
Although The Hartford doesn’t offer coverage for roofers, here are the average costs our small business customers pay for common types of coverages. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of insurance for roofing contractors varies because every business faces unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific commercial or residential roofing insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A client drove over a nail and got a flat tire. They said we missed it in our cleanup, and we had to pay for their new tire.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“A fire broke out in our warehouse and caused significant smoke damage. We had to close while repairs were being made, delaying the projects we had scheduled.”
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage. You can use this coverage to help pay ongoing operating expenses, such as bills and payroll.
Workers’ Compensation Insurance
“One of my employees slipped from a ladder due to heat exhaustion. He went to urgent care for treatment, and the doctor advised him not to work for a few weeks.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Employment Practices Liability Insurance
“My office manager had to let our foreman go for poor performance. He sued my manager for discrimination.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Commercial Property Insurance
“A water leak destroyed our storage area, and we had to replace a large number of materials and inventory.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Installation Insurance
“A windstorm damaged our scaffolding and set our project back by a week.”
Installation insurance helps cover personal property that is installed, fabricated or erected by a contractor. This includes the installation of equipment, materials, labor costs and temporary structures related to roofing, such as scaffolding and construction signs.
Get a Quote for Roofing Insurance Options
Help protect your livelihood. Get a quote through Tivly today.
Last Updated: March 3, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed February 2026.
4 U.S. Bureau of Labor Statistics, "Number and Rate of Nonfatal Work Injuries in 2024,” viewed February 2026.
5 Construction Dive, “Guarding Your Assets: The Rising Stakes of Construction Site Security,” viewed May 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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