Roofers Insurance 101: What Does It Cover & Why It Matters to You

by | Mar 1, 2024 | Roofing

When it comes to the safety and security of your home, the roof above your head plays a pivotal role. Not only does it protect you from the elements, but it also contributes to the overall integrity and value of your property. This is where the significance of roofers insurance, including roofers liability insurance, comes into play. This comprehensive article will delve into the essence of roofers insurance, elucidating what it covers, and its importance for homeowners.

Understanding Roofers Insurance

Roofers insurance is a specialized form of business insurance designed to address the unique risks associated with the roofing industry. This insurance is a composite of several coverage components, including liability insurance, workers’ compensation, and property damage coverage. Its primary aim is to protect roofing contractors from the financial risks posed by accidents, injuries, property damage, and other liabilities that can occur during roofing projects.

Types of Roofers Insurance Coverage

1. Roofers Liability Insurance

The cornerstone of roofers insurance is liability coverage. Roofers liability insurance specifically protects against claims of bodily injury and property damage that occur as a result of the roofing contractor’s operations. For instance, if a contractor accidentally damages a client’s property or if a passerby is injured by falling roofing materials, liability insurance would cover the legal fees, medical bills, and repair costs.

2. Workers’ Compensation

Given the physically demanding and perilous nature of roofing work, workers’ compensation is a critical component. It provides benefits to employees who suffer work-related injuries or illnesses, covering medical expenses, rehabilitation costs, and a portion of lost wages.

3. Property Damage

This aspect covers any damage to the contractor’s own equipment and property. Whether it’s a ladder that falls and breaks or a roofing machine that malfunctions, this coverage helps repair or replace these vital tools, ensuring that business operations can continue with minimal interruption.

4. Professional Liability

In some cases, roofers may also opt for professional liability insurance. This covers errors and omissions in the roofing services provided. If a roofing project fails due to a mistake in the installation process, this insurance can cover the cost of repairs or legal

claims made by the homeowner for the failure to provide the promised service.

5. Vehicle Insurance

For roofing companies that use trucks or other vehicles to transport materials, tools, and workers to job sites, commercial vehicle insurance is essential. It covers damages and liability in the event of accidents involving the company’s vehicles.

Why Roofers Insurance Matters

Roofers insurance is essential for both roofing contractors and homeowners. Here’s why:

For Roofing Contractors

Roofers insurance is not just a regulatory requirement; it’s a critical asset for business sustainability. The roofing industry is inherently risky, with high chances of accidents and property damage. Insurance protects the business from potentially crippling financial liabilities resulting from lawsuits, medical expenses, and property damages. Moreover, having comprehensive insurance coverage can enhance a contractor’s credibility, making them more attractive to prospective clients.

For Homeowners

Understanding the scope of a roofing contractor’s insurance is equally important for homeowners. Hiring a contractor who is fully insured protects the homeowner from being held liable for any accidents or damages that occur on their property during a roofing project. It also ensures that the homeowner is not left out of pocket if the contractor damages the property or fails to complete the work satisfactorily.

Contact A. Stewart Roofing & Waterproofing for Reliable Roofing Services in New York

Roofers insurance, particularly roofers liability insurance, serves as a vital safeguard for both contractors and homeowners involved in roofing projects. By understanding what it covers and why it matters, homeowners can make informed decisions when selecting a roofing contractor, ensuring their project is completed safely and successfully.

At A. Stewart Roofing & Waterproofing, we understand the importance of reliable and comprehensive roofing services. As a leading residential roofing company serving New York, we pride ourselves on delivering top-quality craftsmanship, unmatched customer service, and adherence to the highest safety standards. We are equipped to handle a wide range of roofing needs, including repairs, replacements, inspections, and maintenance. Whether you’re dealing with a minor leak or in need of a complete roof overhaul, we have the expertise and resources to get the job done efficiently and effectively.

If you’re a homeowner in New York in need of roofing services or simply want to learn more about how we can assist you, don’t hesitate to contact us. Our friendly and knowledgeable team is standing by to answer your questions, provide expert guidance, and schedule a consultation at your convenience.

Roofers in New York with roofers liability insurance.


What is roofers insurance?
Roofers insurance, also known as roofers liability insurance, is a specialized type of coverage designed to protect roofing contractors and homeowners from potential risks and liabilities associated with roofing projects, including property damage, bodily injury, and workplace accidents.
What happens if a roofing contractor doesn't have insurance?
If a roofing contractor doesn’t have insurance and an accident or property damage occurs during the project, homeowners may be held financially responsible for any resulting costs or legal claims, highlighting the importance of hiring insured contractors.
Is roofers insurance expensive?
The cost of roofers insurance can vary depending on factors such as the size of the roofing business, the scope of coverage, and the level of risk involved, but it’s generally considered a worthwhile investment for both contractors and homeowners.
Is A. Stewart Roofing and Waterproofing licensed and insured?
Yes, our team is fully licensed and insured to provide roofing services in New York, ensuring that our team and our clients are protected against potential risks and liabilities throughout the roofing process. Our comprehensive insurance coverage underscores our commitment to professionalism, quality workmanship, and customer satisfaction.