Roofing Insurance

The life of a professional Roofing contractor is full of twists, turns, and risks.

From sealing a leaking shingle to a full-on roof replacement, each day brings something new.

You work hard to stay on top of things and keep your business safe.

Isn’t it time you had an insurance partner that works as hard as you do?

At Tomins, we design custom-tailored policies around the unique needs of your roofing business. Unlike most companies pushing untested generic policies, we are powered by Higginbotham—an industry leader in business insurance for over 50 years.

You deserve the peace of mind of knowing that you’re covered.

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Does a Roofing Contractor Really Need Insurance?

Without a doubt.

Whether you’re a sole proprietor roofing subcontractor (LINK) or a full-fledged multi-state roofing firm, Roofing insurance is a critical part of making your business succeed.  

As a Roofing Business Owner, you know better than anyone that roofing is a high-risk business. From fallen ladders to unexpected storms and job site injuries, every day can bring a new threat to your business operation.

While most job sites require a Roofer to carry General Liability Coverage to even set foot on a job site, Tomins typically recommends Roofing Business owners look well-beyond the mandatory minimum. Taking a serious look at your risk exposure now can save you some headaches down the line.

Our seasoned team of business insurance experts specializes in doing just that. We offer custom-tailored Roofing insurance policies designed with your unique business in mind.

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Roofing business owner wearing a yellow hard hat nailing shingles to the roof of a home with a nail gun

What Roofing Insurance Coverages Do I Need?

As you may have guessed after reading the previous section, we believe each unique business deserves a personally-tailored policy.

That said, Tomins recommends combining a few essential coverages into what’s known as a commercial package policy, or CPP. This bundled insurance policy is designed to protect a Roofing Business’ buildings, property, and equipment against unforeseen loss.

A Roofing commercial insurance package typically bundles these three coverages:

  1. Roofing Company Commercial Property Insurance: Commercial Property Insurance can help cover the costs of replacing a Roofing Business owner’s physical property, storefront, and equipment in the aftermath of a loss or damage.
  2. General Liability Insurance for Roofers: General Liability insurance is important for all small business owners, Roofers included. Abbreviated as GL, this coverage can protect a Roofing business against the potential costs of a lawsuit
  3. Roofing Business Income Insurance: Business Income Insurance is another important coverage for a Roofer to consider. This coverage can help cover the loss of income resulting from a covered interruption to your business.

Tomins — because you deserve an insurance partner that works as hard as you do.

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Coverage for Roofing Consultants and Project Managers

If you offer Roofing consulting or advice, you may need additional coverage.

Commonly known as Errors & Omissions (E&O) or Professional Liability Insurance, this coverage can help protect a Roofing consultant from the potential cost of negligence and mistakes in rendering professional opinions.

Combining the fact that a consultant or project manager can be held accountable for the mistakes of their subordinates with the substantial risk exposure involved with working on roofs, Roofing consultants and project managers should always carry E&O insurance to limit their financial risk exposure.

Depending on your unique risk exposure, you may want to consider carrying some extra coverages.

Tomins Roofing Business Insurance coverage options include, but are not limited to:

  • Limited Care, Custody, or Control Property Insurance
  • Important Record and Document Coverage
  • Employment Practices Liability (EPLI)
  • Employee Benefits Liability Coverage
  • Workers Compensation Insurance
  • Professional Liability (E&O)

It’s important to note that this list is far from exhaustive.

If you need help drawing up a plan with the coverages that make the most sense for your business, our Tomins roofing insurance experts are standing by to assist you.

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How Much Does Insurance for Roofers Cost?

At Tomins, we take pride in offering affordable Roofing Insurance quotes on policies that have you covered.

Our business insurance experts assess each customer’s unique situation to make sure we are best addressing the specific needs and risk exposure of each client we serve. Each quote we deliver considers several factors including location, risk exposure, nature of your operations and more.

Our personalized approach to Roofing Insurance means there is no ‘one-size-fits-all’ price to quote here. That said, we consistently strive to offer the most competitive prices available for the coverages your business actually needs.

Are you ready to start doing business with an insurance partner that works as hard as you do?

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What Do I Need to Get a Roofing Insurance Quote?

At Tomins, we’re in the business of making insurance for Roofers simple.

To make sure we’re delivering the most accurate and competitive quote possible, try to have the following information available before you start:

  • Business address and tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

Taking the time to make sure this information is up-to-date and accurate is the best way to ensure TOMINS can provide the best quote possible for your Roofing Business.

Tomins — mindful insurance today, successful roofing business tomorrow.

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