Roofing Insurance
Whether you run a large roofing company or you are an independent contractor, it is critical to protect your business with insurance.
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Trusted by over 300,000 Canadian small business owners!
Save up to 35% on your insurance
Get the best insurance quote in a few clicks!
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Insurance for Roofers
As a roofer, your job is to face a common fear that the average person tends to avoid: heights. Brave by nature, your clients depend on you to provide the rooftop protection they need to withstand Canada’s seasonal climates. However, no matter how courageously careful you are, mistakes can happen, and uncertainty can be a nightmare for most business owners.
As a roofing contractor, you face unique risks, which only a comprehensive insurance plan can help protect your business.
Roofing Insurance is a policy package designed for roofing contractors; it provides financial coverage for common risks such as third-party property damage, accidents, and equipment loss.
Every roofing business is unique; it is essential to tailor your insurance policy to cater to your specific needs.
A comprehensive insurance package for roofing contractors will typically include the following:
- Commercial General Liability Insurance (CGL), also known as roofing liability insurance, covers you from common accidents that involve other people’s property or cause bodily injury. CGL insurance could provide financial coverage for legal defence, repairment, or medical costs if you are sued for your mistakes, regardless of the lawsuit’s outcome. For example, while installing new shingles, your client accidentally trips on your tools and sprains their wrist. Your CGL policy could cover the medical fees and legal expenses.
- Tools and Equipment Insurance provides coverage for roofing tools and equipment needed to run your business. If your ladder gets damaged or a nail gun gets stolen, Tools & Equipment can provide financial coverage to repair or replace these items owned by your company. Equipment is valued at over $1500, and anything under classifies as tools.
- Pollution Liability Insurance is a policy that protects businesses from claims alleging pollution-related liabilities that cause injury or third-party property damages. Although roofers are not considered “environmental contractors,” the toxic chemicals in sealants, adhesives, and coating used in roofing create multiple exposures to pollutant risks. Having a pollution liability will help extend your coverage for claims that a CGL policy typically excludes.
Additional coverage to consider:
- Professional Liability Insurance is a policy that provides financial coverage for claims against negligent acts, errors or omissions, or unsatisfactory delivery of services. If you offer roof consulting or design services to your customers, you should consider adding professional liability coverage.
The cost of roofing insurance typically starts at $540 per year for a Commercial General Liability Insurance policy with a $2M coverage limit. Small residential roofing companies usually fall into this price range; however, large commercial roofers should expect higher premiums.
There are several factors considered that will determine the final quote for an insurance policy package, including:
- Number of Employees (Independent Contractor vs. Large Business)
- Project type (Commercial vs. Residential)
- Years of Experience
- Application Methods (e.g., heat application – torch/hot air gun)
- Location
- Tools and Equipment Owned
- Annual and Projected Revenue
Whether you offer commercial or residential services, every roofing contractor should have some form of liability insurance to protect their business from accidents. Lawsuits against your business can have a significant impact on your operations. Without carrying insurance during these legal predicaments can threaten the survival of your roofing business.
We’ve insured more than 1,000 contractors from all across Canada. Some of the services our clients provide include:
- Commercial Roofing
- Attic Ventilation
- Hot Tar Roofing
- Leak Repair & Maintenance
- Metal/Slate Roofing
- Roof Snow and Ice Removal
- Siding & Eavestrough
Zensurance is a proud member of the Canadian Roofing Contractors Association.
Common claims scenarios
Problem: You are hired to work on a commercial flat roof construction project in Vancouver, BC. During the heating process, the torch flames catch on some dried leaves, igniting a fire and damaging one side of the roof.
Outcome: Your Commercial General Liability Insurance may cover the $175,000 cost to repair the damaged property that resulted from the fire.
Problem: One of your new sub-contractors improperly installs a new roof, which accrues a nest of moisture over the following weeks of rainfall. Mold growth accumulates over time and contaminates valuable stored in the client’s attic.
Outcome: Your Pollution Liability Insurance may cover the $36,000 costs to replace the contaminated items and repair the attic.
Problem: While working on a residential roof in Ontario, your client accidentally drives over and destroys your Tramex Roof Master Kit left on the driveway.
Outcome: Your Tools and Equipment Insurance coverage could reimburse the $10,000 to replace your broken roofing inspection equipment.
Frequently asked questions
Other contractors and trades we can provide coverage for:
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You’ve dedicated your career to safeguarding your client’s property; you deserve a broker that provides your business with the same level of protection.
Get started today by completing our quick and easy online application for a free insurance quote. If you need more information or prefer to speak with a broker directly, our friendly team will always help guide you through the process.
