Coverage Guide
Roofing Insurance Coverage Guide
Essential coverage for high-risk roofing work
Highest Risk Construction Trade
Roofing has the highest workers compensation rates in construction. Falls account for 35% of all roofing injury claims. Proper insurance and fall protection are critical to staying in business.
Coverage Types
General Liability
Third-party claims
$5,500
Base Annual
Workers Compensation
Employee injury
$8,500
Base Annual
Tools & Equipment
Ladders, nail guns
$600
Base Annual
Commercial Auto
Work trucks
$2,200
Base Annual
Reducing Roofing Insurance Costs
Safety Programs
- • OSHA 10/30 training for all workers
- • Written fall protection plan
- • Regular safety meetings
Claims Management
- • 3+ years claims-free lowers EMR
- • Return-to-work programs
- • Proper injury reporting