2026 Calculator
Roofing Insurance Calculator
Estimate your roofing contractor insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does roofing insurance cost in 2026?
Roofing insurance typically costs $8,000-$20,000 per year including GL and workers comp. Roofing has the highest workers comp rates in construction - often $25-$45 per $100 of payroll compared to $5-$10 for general contractors.
Why is roofing insurance so expensive?
Roofing is the highest-risk construction trade due to falls, which account for 35% of all roofing claims. Working at heights with power tools increases injury severity. Insurers classify roofing in the highest-risk category.
What insurance does a roofer need?
Roofers need: General Liability ($1M-$2M limits), Workers Compensation (required by law in most states), Commercial Auto for work trucks, and Tools & Equipment coverage. Many clients require proof of all these before hiring.
Does roofing insurance cover subcontractors?
No. Your policy covers your employees, not subcontractors. Always require subs to provide their own Certificate of Insurance (COI). If an uninsured sub is injured or causes damage, you could be liable.
How can I reduce my roofing insurance costs?
Lower premiums by: maintaining a clean safety record, implementing fall protection programs, completing OSHA 10/30 training, avoiding workers comp claims for 3+ years to lower your EMR, and bundling policies with one insurer.