What insurance does a roofing contractor business need? (2026)
Most roofing contractor operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for roofing contractor operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| Business activity |
|---|
| Asphalt roof shingle installation |
| Copper roofing installation |
| Corrugated metal roofing installation |
| Galvanized iron roofing installation |
| Low slope roofing installation |
| Painting, spraying, or coating, roof |
| Roll roofing installation |
| Roofing, built-up tar and gravel, installation |
| Roofing contractors |
| Roof membrane installation |
| Roof painting, spraying, or coating |
| Shake and shingle, roof, installation |
| Sheet metal roofing installation |
| Skylight installation |
| Solar reflecting coating, roof, application |
| Steep slope roofing installation |
| Treating roofs (by spraying, painting or coating) |