Protecting the Top: Why Roofers Need Specialized Insurance
Request a QuoteRoofing isn’t just another trade—it’s one of the riskiest jobs in the construction world. Whether you're scaling a steep pitch under the blazing sun or managing a crew on a busy jobsite, roofing professionals face unique risks every single day. That's where roofer’s insurance steps in. At Metro-West Insurance Services, we help roofers build strong protection from the ground up—because one slip could cost you everything.
This isn’t about fear—it’s about being smart. Let’s break down what roofer’s insurance includes, why it matters, and how it keeps your business climbing safely.
Why Roofers Insurance Isn’t Optional
High Risk Work: Falls, tool drops, material damage—roofing hazards are everywhere. Insurance is your financial safety net.
Employee Protection: Workers’ comp coverage ensures your team gets care if injured—plus it protects you from legal costs.
Client & Legal Safety: If a client claims property damage or injury caused by your work, liability insurance has your back.
What Does Roofer’s Insurance Typically Include?
Here’s a quick look at the essential coverage types included in a solid roofer’s insurance package:
| Coverage Type | What It Covers |
|---|---|
| General Liability | Third-party property damage or bodily injury—like if you drop materials on a client’s car. |
| Workers’ Compensation | Covers medical bills and lost wages for employees hurt on the job. |
| Commercial Auto | Insures your business vehicles and trailers while driving between sites. |
| Tools & Equipment | Replaces stolen, damaged, or lost tools essential to your trade. |
| Inland Marine | Covers materials and tools while in transit or temporarily stored. |
| Professional Liability | Protects against errors in design or consulting that lead to loss. |
How Claims Happen: A Quick Story
Last summer, a roofing crew was working a residential re-roof when one of the workers slipped and fell from a second-story ladder. He broke his arm and was out of work for six weeks. Thanks to proper workers’ comp coverage, his medical bills were paid and his family didn’t lose income. The business owner avoided a lawsuit—and the crew was back on site in no time.
In another case, a misplaced nail caused a leak that ruined a client’s ceiling and flooring. The roofer’s general liability coverage kicked in, covering the $12,000 in repairs. Without it? That would’ve come out of pocket.
Common Insurance Gaps Roofers Face
1. Not having enough liability coverage: Roofing claims can get expensive. Make sure your policy matches your risk.
2. Ignoring tool and equipment coverage: Replacing stolen gear can set your business back weeks. This coverage keeps you moving.
3. No coverage for subcontractors: If your policy doesn’t include your subcontractors, you could be left liable for their mistakes.
How Metro-West Insurance Services Builds the Right Policy for You
Customized Coverage: We assess your unique risks—from residential to commercial work—and tailor a plan to fit.
Cost-Effective Solutions: We find the best value without cutting corners on protection.
Real People, Real Help: Call us anytime and talk to a real agent—not a machine.
What Can Roofer’s Insurance Cost?
Roofers’ insurance varies based on your business size, number of employees, types of projects, and past claim history. But here’s a ballpark range:
| Coverage | Estimated Monthly Premium |
|---|---|
| General Liability | $100 - $250 |
| Workers’ Compensation | $200 - $400 (per employee) |
| Tools & Equipment | $20 - $50 |
| Commercial Auto | $100 - $300 (per vehicle) |
Pro Tip: Bundling coverages can save you money—and time managing multiple policies.
Let’s Nail This Down
You’ve worked hard to build your roofing business. One accident shouldn’t tear it all down. With the right roofer’s insurance policy from Metro-West Insurance Services, you can focus on climbing ladders—not legal bills or repair invoices.
We’ll walk you through the process, explain everything in plain English, and help you get covered quickly. Whether you’re just starting or scaling up, we’ve got your back.
Call us today at 323-937-9225 or click below to request your personalized quote.
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