What Does Roofers Insurance Cover

What Does Roofers Insurance CoverRoofing is one of the most dangerous occupations in America. In 2023, the death rate per 100,000 roofers was 47.0, according to the Bureau of Labor Statistics. Indeed, it’s about time you satisfy the question ‘what does roofers insurance cover?’

Accidents aren’t the only concern for a roofing company owner. You must also consider lost wages due to work interruptions, damaged equipment, and claims of bad craftsmanship. As a result, you’ll need proper roofing insurance.


This post will put you through everything you need to know about what roofers insurance covers. 

What Does Roofers Insurance Cover?

A roofing insurance policy includes several types of small business insurance to cover many difficulties. These issues include workplace injuries, property damage, and litigation from clients who claim your work is substandard or incomplete. This may be even if the claim is without merit.

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An excellent place to start is with a business owner’s policy (BOP). A BOP combines three major coverage types that are often less expensive than buying each policy separately.

The following items should be in a BOP:

Business Liability Insurance

This involves property damage and bodily harm to others (not including your workers). Your general liability insurance covers medical bills and legal defense costs if a consumer trips over your equipment and injures.

Commercial Property Insurance

This covers the physical property and equipment of your company. However, the coverage holds only if a covered problem damages them. 


Commercial property insurance covers leased and owned equipment, such as tools, commodities, business records, critical paperwork, computers, and office furniture.

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Business Interruption Insurance

Business interruption insurance replaces your lost revenue if you temporarily cease working due to a covered event. This includes revenue loss due to damaged merchandise and the cost of temporarily relocating your company. In this case, the covered event could consist of instances of fire, theft, etc.


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