Do Roofers Really Need Specialized Insurance? Yes—Here’s Why
Roofing is one of the most high-risk trades in the construction industry. Whether you’re a solo contractor or manage a full crew, working at heights, handling sharp tools, and navigating unpredictable weather conditions creates unique risks every day on the job. That’s why standard business insurance isn’t enough.
Roofing contractors in Colorado need specialized insurance coverage that accounts for the specific dangers they face. At MountainStorm Insurance, we help roofing businesses secure protection that matches their operational needs, so you can stay focused on the job without worrying about liability or financial loss.
Why General Business Insurance Doesn’t Cut It
Many roofing businesses make the mistake of assuming a basic general liability policy offers full coverage. While it does provide a foundational level of protection, it’s often not tailored to the real-world risks of roofing work.
For example, general policies may exclude:
- Injuries from working at height
- Water damage due to improper installation
- Property damage from falling tools or debris
- Employee injuries while on a steep-slope roof
Without proper coverage, even a minor incident can result in major out-of-pocket expenses, lawsuits, or contract disputes.
What Does Roofing Business Insurance Include?
Tailored insurance for roofing contractors typically includes the following core coverages:
General Liability Insurance
Protects against third-party property damage or bodily injury. Essential for job site incidents like a falling shingle hitting a parked vehicle or damage to a client’s home during a project.
Workers’ Compensation
Mandatory in Colorado if you have employees. Covers medical bills, lost wages, and rehabilitation if a crew member is injured on the job.
Commercial Auto Insurance
Covers vehicles used to transport tools, equipment, and crew members. Also includes liability in the event of a work-related vehicle accident.
Inland Marine (Tool & Equipment Insurance)
Protects your tools, ladders, generators, and other mobile equipment from theft, vandalism, or damage while on the move or on-site.
Professional Liability (Errors & Omissions)
Covers claims related to faulty workmanship or design errors, such as a roof that leaks due to incorrect material application.
Umbrella Insurance
Adds an extra layer of protection above the limits of your primary policies. Ideal for contractors who want to safeguard against large claims or lawsuits.
Why Colorado Roofers Face Unique Risks
Roofers in Colorado contend with rapid weather changes, hailstorms, snow loads, and high winds, all of which increase the chance of job-related accidents or structural issues. Because of this, insurance providers often consider roofing a high-risk trade, which means policies must be carefully customized to meet underwriting requirements and local regulations.
Additionally, many homeowners and commercial clients won’t hire a roofer without proof of insurance, particularly general liability and workers’ compensation. Not being properly insured can cost you bids and damage your business reputation.
Frequently Asked Questions: Roofing Contractor Insurance in Colorado
While Colorado does not require roofers to be licensed at the state level, workers’ compensation is mandatory if you employ others. General liability is not required by law, but most clients and contracts will demand it.
Costs vary based on your business size, coverage limits, number of employees, and claims history. On average, small roofing contractors can expect to pay between $2,000 and $6,000 annually for a complete insurance package.
Typically, subcontractors need to carry their own insurance. However, some policies allow you to add them for an additional cost. Always confirm coverage requirements with your insurer before hiring.
That’s where professional liability insurance comes in. It helps protect you from claims involving errors in your work, even if the mistake was unintentional.
Yes. Many roofing businesses choose a Business Owner’s Policy (BOP), which combines general liability and property coverage. Additional options like inland marine and commercial auto can be added for full protection.
Roofing is demanding work, and it comes with serious risk. Don’t leave your business exposed with generic coverage.
Let MountainStorm Insurance help you build a specialized insurance plan that fits your trade, your team, and your future. Reach out today to talk with an advisor who understands the demands of the roofing industry and can guide you toward the coverage that protects what matters most.
