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Question DetailsAsked on 10/15/2011

How much liability insurance should a roofing contractor have?

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3 Answers


What is more important is to verify that the insurance the roofer is carrying is actually Roofers Insurance. Roofing Insurance is significantly higher than regular contractors insurance. If the policy does not specifically say "ROOFING" you as the homeowner are not covered.

Generally an aggregate amount of $1,000,000 is bare minimum.

I carry a $2mil policy myself

Answered 9 years ago by Onlythebestbuilder


The 2nd part of this equation is workmans comp insurance. Again I agree must say roofing on coverage. Amount is open.


Answered 9 years ago by jccasper


It is my opinion that workers compensation is by far more important then general liability, especially in roofing. Why do I say this? Because a legitimate contractor paying roofing insurance as a roofer, and is properly classified as a rofoer, not a carpenter, will pay triple in workers comp what he pays in liability. Therefore many unscrupulous roofing contractors will not have comp.

As a consumer if you are not sure what you are looking at, you will see a certificate of insurance and assume all is well. Make sure there isa policy number for liability and workers compensation listed on the certificate of insurance. Pick up your phone and call the insurance agent/broker listed on the certificate and make sure the roofer didn't cancel his insurance once he got his policy.

I am a roofing contractor and I personally carry a 2 million dollar general liability policy and a 1/2 million dollar workmans compensation policy. This is in excess of the state mandated minimums.

If the roofer is playing with fire, such as torch applied modified bitumen, ensure that his fire coverage is at least the replacement value of your building and all contents within. Many insurance policies, especially in roofing, have a reduced limit for fire!!!


Answered 8 years ago by ReliableAmericanRoof

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