Roofing InsuranceZensurance
Whether you run a large roofing company or you are an independent contractor, it is critical to protect your business with insurance.
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Insurance for Roofers
As a roofer, your job is to face a common fear that the average person tends to avoid: heights. Brave by nature, your clients depend on you to provide the rooftop protection they need to withstand Canada’s seasonal climates. However, no matter how courageously careful you are, mistakes can happen, and uncertainty can be a nightmare for most business owners.
As a roofing contractor, you face unique risks, which only a comprehensive insurance plan can help protect your business.
What is roofing insurance?
Roofing Insurance is a policy package designed for roofing contractors; it provides financial coverage for common risks such as third-party property damage, accidents, and equipment loss.
Every roofing business is unique; it is essential to tailor your insurance policy to cater to your specific needs.
What does it cover?
A comprehensive insurance package for roofing contractors will typically include the following:
- Commercial General Liability Insurance (CGL), also known as roofing liability insurance, covers you from common accidents that involve other people’s property or cause bodily injury. CGL insurance could provide financial coverage for legal defence, repairment, or medical costs if you are sued for your mistakes, regardless of the lawsuit’s outcome. For example, while installing new shingles, your client accidentally trips on your tools and sprains their wrist. Your CGL policy could cover the medical fees and legal expenses.
- Tools and Equipment Insuranceprovides coverage for roofing tools and equipment needed to run your business. If your ladder gets damaged or a nail gun gets stolen, Tools & Equipment can provide financial coverage to repair or replace these items owned by your company. Equipment is valued at over $1500, and anything under classifies as tools.
- Pollution Liability Insuranceis a policy that protects businesses from claims alleging pollution-related liabilities that cause injury or third-party property damages. Although roofers are not considered “environmental contractors,” the toxic chemicals in sealants, adhesives, and coating used in roofing create multiple exposures to pollutant risks. Having a pollution liability will help extend your coverage for claims that a CGL policy typically excludes.
Additional coverage to consider:
- Professional Liability Insuranceis a policy that provides financial coverage for claims against negligent acts, errors or omissions, or unsatisfactory delivery of services. If you offer roof consulting or design services to your customers, you should consider adding professional liability coverage.
How much does roofing insurance cost?
The cost of roofing insurance typically starts at$540 per year for a Commercial General Liability Insurance policy with a $2Mcoverage limit. Small residential roofing companies usually fall into this price range; however, large commercial roofers should expect higher premiums.
There are several factors considered that will determine the final quote for an insurance policy package, including:
- Number of Employees (Independent Contractor vs. Large Business)
- Project type (Commercial vs. Residential)
- Years of Experience
- Application Methods (e.g., heat application – torch/hot air gun)
- Location
- Tools and Equipment Owned
- Annual and Projected Revenue
Who needs it?
Whether you offer commercial or residential services, every roofing contractor should have some form of liability insurance to protect their business from accidents. Lawsuits against your business can have a significant impact on your operations. Without carrying insurance during these legal predicaments can threaten the survival of your roofing business.
We’ve insured more than 1,000 contractors from all across Canada. Some of the services our clients provide include:
- Commercial Roofing
- Attic Ventilation
- Hot Tar Roofing
- Leak Repair & Maintenance
- Metal/Slate Roofing
- Roof Snow and Ice Removal
- Siding & Eavestrough
Zensurance is a proud member of the Canadian Roofing Contractors Association.
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Common claims scenarios
Problem:You are hired to work on a commercial flat roof construction project in Vancouver, BC. During the heating process, the torch flames catch on some dried leaves, igniting a fire and damaging one side of the roof.
Outcome:YourCommercial General Liability Insurancemay cover the$175,000cost to repair the damaged property that resulted from the fire.
Problem:One of your new sub-contractors improperly installs a new roof, which accrues a nest of moisture over the following weeks of rainfall. Mold growth accumulates over time and contaminates valuable stored in the client’s attic.
Outcome:YourPollution Liability Insurancemay cover the$36,000costs to replace the contaminated items and repair the attic.
Problem:While working on a residential roof in Ontario, your client accidentally drives over and destroys your Tramex Roof Master Kit left on the driveway.
Outcome:YourTools and Equipment Insurancecoverage could reimburse the$10,000to replace your broken roofing inspection equipment.
Frequently asked questions
If I sell roof shingles to my clients, will this be covered in my roofing insurance policy?Zensurance
If I sell roof shingles to my clients, will this be covered in my roofing insurance policy?
If you sell any products as an extension to your general roofing services, then adding a Product Liability Insurance policy is recommended. Product Liability Insurance provides financial coverage for third-party property damages or injury resulting from the product you sold.
Is roofing insurance legally required by law?Zensurance
Is roofing insurance legally required by law?
No, roofing contractors are not legally obligated to carry insurance to operate their business in Canada. However, most property owners will expect contractors to have a general liability insurance policy before hiring for the project.
Does my insurance policy cover sub-contractors?Zensurance
Does my insurance policy cover sub-contractors?
Most insurance policies only cover full-time employees of the business and typically exclude subcontractors. Coverage extensions for subcontractors can be added to your existing policy if needed.
For subcontractors, it is recommended you purchase your own liability insurance to protect yourself across multiple work sites.
Other contractors and trades we can provide coverage for:
Appliance repair
Antenna and satellite installation
Cable installers
Carpenter
Concrete contractors
Construction contractors
Cleaners
Demolition
Decks and fencing
Electrician
Excavation
Flooring
Handyman
HVAC
Independent/Self-Employed contractors
Interior designer
Junk removal
Landscaping
Locksmith
Movers
Painters
Pest control
Plumbers
Pressure washing
Renovations
Restoration and remediation
Roofing
Snow removal
Swimming pool service
Tree removal
Welders
Window cleaning
Woodworker
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