Calculate roofing contractor insurance costs. High-risk specialty coverage for roofers including GL, workers comp, and equipment. Based on 2026 NCCI data.
Calculate Your PremiumRoofing insurance is specialized coverage for roofing contractors, one of the highest-risk trades in construction. It includes General Liability, Workers Compensation, and specialized coverage for the unique hazards of working at heights.
In 2026, roofing insurance costs $8,000-$20,000 per year depending on your crew size and annual revenue. Workers comp rates for roofers are among the highest in any industry - typically $25-$45 per $100 of payroll, compared to just $5-$10 for general contractors.