What Kind Of Insurance Does A Roofer Need
A professional roofer should carry specific types of insurance to protect you, your property, and their workers. Here’s what actually matters (and what to ask for):
1. General Liability Insurance (Required)
This protects you if the roofer causes property damage or bodily injury during the job.
Examples:
Damage to siding, windows, or landscaping
Water damage caused by improper covering
Injuries to a homeowner or visitor related to the work
What to check:
✔ Active policy
✔ Coverage limits (commonly $1M per occurrence)
✔ Roofing listed as the covered trade
2. Workers’ Compensation Insurance (Critical)
This covers the roofer’s employees if they are injured on your property. Roofing is high-risk, and without workers’ comp, you could be held liable for medical costs or lawsuits.
In Texas, workers’ comp is not required by law, but reputable roofing companies carry it anyway.
What to check:
✔ Policy in force
✔ Employees covered (not just the owner)
🚩 Red flag: “All my guys are subcontractors” with no proof of coverage.
3. Commercial Auto Insurance
If the roofer uses trucks, trailers, or equipment on your property, this insurance covers:
Accidents involving company vehicles
Damage caused while delivering materials
Personal auto policies do not cover business use.
4. Umbrella / Excess Liability (Bonus Protection)
Larger or more established roofing companies often carry umbrella policies that provide additional coverage beyond general liability limits. This is especially important for:
Commercial projects
Large residential jobs
5. Bonding (When Applicable)
Some roofers are bonded, which can provide financial protection if the contractor fails to complete the job or meet contractual obligations. Bonding is not insurance, but it’s another sign of professionalism.
Why This Matters
Roofing is one of the most dangerous construction trades. If a roofer is uninsured or underinsured, the homeowner can be exposed to serious financial risk. Medical claims, property damage, or legal issues can quickly become your responsibility.
Before hiring a roofer, always ask for current certificates of insurance and verify that the policies are active. A professional contractor will provide this without hesitation.
