THE BEST DAMN
ROOFING
INSURANCE.
PERIOD.
We don't mess around. Neither should your insurance. Roofing specialists who actually understand your trade — general liability, workers comp, commercial auto, bonds, and more.
COVERAGE BUILT FOR ROOFERS
Every policy we write is designed around roofing operations. Not a one-size-fits-all contractor policy shoved through a round hole.
GENERAL LIABILITY
Property damage, bodily injury, products & completed operations. The coverage every roofer must have.
WORKERS COMPENSATION
Your crew falls, your policy pays. State-required WC that actually covers roofing work.
COMMERCIAL AUTO
Ladder racks, material hauls, fleet trucks. Your vehicles are on the road every day.
TOOLS & EQUIPMENT
Nail guns, compressors, staging systems, generators. Replace what you lose without bleeding cash.
SURETY BONDS
License bonds, performance bonds, payment bonds. Get bonded, stay licensed, win more bids.
UMBRELLA LIABILITY
Large commercial jobs need large limits. Stack umbrella coverage over your primary policies.
BUILDER'S RISK
New construction roofing and installation floaters. Protect the project from start to completion.
MOST ROOFERS ARE UNDERINSURED.
HERE IS WHAT THAT COSTS.
SHINGLE FALLS, CAR DAMAGED
A bundle of shingles slides off a steep pitch and crushes a parked vehicle. Without proper GL coverage, you pay out of pocket. With the right policy, zero.
WORKER FALLS FROM LADDER
A crew member takes a two-story fall. Medical bills, lost wages, rehabilitation. Without workers comp, you face a lawsuit that can wipe out your business.
TRUCK ACCIDENT WITH MATERIALS
Your driver rear-ends someone on the way to a job site. Loaded trailer, multiple vehicles involved. Personal auto insurance does not cover business use.
WHY BEST DAMN ROOFER INSURANCE
We are not a general contractor insurance shop that happens to have a roofing page. We specialize.
ROOFING SPECIALISTS
We know the difference between a built-up roof and a standing seam. Our agents understand your trade, your risks, and the carriers that actually want your business.
BETTER RATES
We shop 20+ carriers simultaneously. Our volume gets you preferred pricing — often 15-30% below what a generalist broker charges.
SAME-DAY COI
Need a certificate of insurance for a job starting tomorrow? We issue them same day, with the correct additional insured language your GC demands.
WE SPEAK CONTRACTOR
No insurance jargon, no runaround. We tell you exactly what you need, what it costs, and what it covers. Straight talk, contractor to contractor.
COVERAGE AT A GLANCE
Know exactly what you are buying before you sign anything.
| COVERAGE TYPE | PROTECTS YOU FROM | WHEN YOU NEED IT |
|---|---|---|
| General Liability | Property damage, bodily injury claims | Always |
| Workers Comp | Crew medical bills, lost wages | If you have employees |
| Commercial Auto | Vehicle accidents on the job | If you have vehicles |
| Tools & Equipment | Stolen/damaged tools | Recommended |
| Surety Bond | Contract performance guarantee | Per state/contract |
| Umbrella | Excess liability above primary | Large jobs |
HOW IT WORKS
Three steps. No jargon. No runaround.
TELL US ABOUT YOUR CREW
Five-minute quote form. Tell us your operation size, revenue, states you work in, and coverage you need. Takes less time than loading your truck.
WE SHOP 20+ CARRIERS
Our specialists run your profile through our roofing-specialty carrier network. We find the best coverage at the best price — not just what is easy to sell.
GET YOUR COI SAME DAY
Approve your policy. Pay online or by phone. Your Certificate of Insurance hits your inbox same day. Most clients are covered before end of business.
WHAT ROOFERS SAY
Straight from contractors who have been there.
“I called five agencies before these guys. Everyone else tried to put me in a standard contractor policy that excluded roofing. Best Damn Roofer got me a real roofing policy with the right exclusion waivers in one day. Same-day COI, no BS.”
“My previous carrier canceled me after one claim. These folks found me coverage with a roofing-specialty carrier, actually lower premium, and my COI was in my inbox before lunch. Should've called them years ago.”
“Commercial work requires big limits. My GC needed $5M umbrella and three additional insureds on a tight deadline. Best Damn Roofer Insurance handled it in under four hours. Saved the contract.”
ROOFER INSURANCE FAQ
Real answers. No insurance-speak.
CAN I GET A CERTIFICATE OF INSURANCE (COI) THE SAME DAY?
Yes. Most policies are bound and COI issued within a few hours. If you have a contractor requirement or job start tomorrow, call us at (800) 555-0177 and we will make it happen.
DO I NEED WORKERS COMP IF MY CREW ARE 1099 SUBCONTRACTORS?
Probably yes. Most states look at the actual working relationship, not the tax form. If a subs gets hurt on your site and a court decides they were de facto employees, you are on the hook. We will help you structure coverage correctly.
DOES GENERAL LIABILITY COVER MY ROOFING WORK OR IS IT EXCLUDED?
Many standard contractor GL policies specifically exclude roofing as a high-risk class. We place coverage with carriers that include roofing operations and products/completed operations. Huge difference.
HOW MUCH DOES ROOFING CONTRACTOR INSURANCE COST?
General liability for a solo roofer starts around $2,000-$4,000/year. WC premiums depend on payroll and state class codes. We shop 20+ carriers to find the best rate for your specific operation.
WHAT IS AN INSTALLATION FLOATER AND DO I NEED ONE?
An installation floater covers materials and equipment while in transit and on site before they're permanently installed. If you're doing commercial work or handling expensive materials, yes, you need it.
CAN I ADD A GENERAL CONTRACTOR AS ADDITIONAL INSURED ON MY POLICY?
Yes. Additional insured endorsements are standard. We issue them quickly with the correct language your GC requires. Most commercial contracts require this.
STOP GAMBLING WITH
THE WRONG COVERAGE.
One claim without the right coverage can end a roofing business built over years. We have seen it happen. Do not let it happen to you.