Roofer Insurance

Get reliable contractors coverage tailored for you by BrokerLink.

Working on rooftops is one of the most hazardous jobs in the construction world. Every job comes with risk, from slips and falls to property damage and even weather delays. That’s where roofer insurance comes in. It’s designed to protect roofing professionals from the unexpected. A comprehensive roofing insurance policy can help you cover liability claims, equipment loss, vehicle accidents, property damage, business interruptions, cyber threats, and more, so one mishap doesn’t ground your business.

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What is roofer insurance?

Roofer insurance, or roofing liability insurance, is more than just a general liability insurance policy. It's a specialized type of contractor insurance that uses a suite of commercial insurance policies to protect roofing professionals from the unique risks of working at heights. Unlike a standard business policy, it’s built around the realities of your trade, such as slippery surfaces, unpredictable weather, expensive tools, and the potential for serious property or injury claims.

A comprehensive roofer insurance policy typically covers:

Third-party property damage and bodily injury
Your work vehicle(s)
Costs to help replace lost, stolen or damaged tools and equipment
Claims of negligence or missed deadlines that cost a client money
And more

In many provinces, proof of insurance coverage is mandatory before you can get licensed, pull permits, or even step on a job site, often requiring you to carry at least $2 million in liability coverage.

Who we help

Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.

From solo roofers repairing a few houses a month to large-scale crews handling commercial roofing contracts, BrokerLink works with all types of business owners across Canada in the roofing industry to make sure they’re protected from the ground up.

Residential roofers
Flat roofing specialists
Roofing subcontractors
Metal or shingle installers
Commercial roofing companies
Independent roofing contractors
Roofing companies with employees

Why do you need roofer insurance?

Roofing is one of the most high‑risk trades in construction. You’re working at heights, handling heavy materials, and facing unpredictable Canadian weather, often all in the same day. One misstep, tool drop, or hidden structural issue can lead to serious injuries, costly property damage, and legal headaches.

That's why many provinces require licensed roofing contractors in the construction industry to carry specific liability coverage, especially when bidding on municipal, government, or large commercial projects. Even smaller clients often want to see proof of insurance before they will hire you.

Let's say you’re replacing shingles when a gust of wind knocks a ladder onto a client’s vehicle, denting the hood. Or a client claims weeks later that your work caused a leak that damaged their home’s interior. On top of that, tool theft from a work van, vehicle collisions en route to a job, or unexpected delays from weather damage can all quickly derail timelines and budgets. That's why having the right roofer’s insurance is essential. It protects your business and reputation, so you can keep working confidently, no matter what challenges come your way.

Types of coverage for roofing businesses and contractors in Canada

While business insurance itself is not required in Canada, there are core protections most roofing contractors rely on to operate legally, win contracts, and protect their livelihood. Some coverages are mandatory by provincial law or contract requirements, while others are highly recommended to protect against a variety of risks. Here's what you should consider for your roofing insurance policy:

Recommended

Additional

Commercial general liability insurance is the foundation of your roofer’s insurance policy. It covers third‑party injuries or property damage caused by your work, both during and after a project. It is often required.

Any vehicle you use for work, whether it’s a pickup, cube van, or flatbed, is generally not covered under personal auto insurance. Instead, you'll need commercial auto insurance for liability and accident benefits, and sometimes collision, theft or vandalism, depending on your coverage.

Also known as surety bonds, assured bond insurance guarantees you’ll complete a project as agreed and meet all contractual obligations. They’re often required for municipal, government, and large commercial jobs.

Your roofing tools and trade‑specific equipment are essential to your business. Tools and equipment insurance protects them against theft, loss, or damage, whether in your shop, on-site, or in your work vehicle.

If you own or lease an office, warehouse, or storage yard for your business, commercial property insurance protects it, and the contents stored inside, against fire, theft, vandalism, and other covered perils. This coverage also typically includes business interruption insurance.

Also called errors & omissions (E&O) insurance, this helps cover your legal defence fees and possible settlements from claims of negligence, design errors, or failure to meet project specifications.

Installation floater insurance covers roofing materials in transit, at the job site, or awaiting installation. This can be essential for protecting your investment before the work is completed.

Roofing is among the most dangerous trades. In 2023, construction accounted for 32% of Canadian workplace fatalities. Personal accident insurance provides financial benefits if you or a covered employee suffers a serious injury on the job.

Roofing businesses that store client contracts, process online payments, or use connected estimating software are vulnerable to cyberattacks. Cyber insurance covers data breaches, ransomware, and related expenses.

Umbrella insurance adds an extra layer of liability protection on top of your existing policies. It’s invaluable for larger contracts or high‑value projects where claims could exceed your standard limits.

Also called errors & omissions (E&O) insurance, this helps cover your legal defence fees and possible settlements from claims of negligence, design errors, or failure to meet project specifications.

Installation floater insurance covers roofing materials in transit, at the job site, or awaiting installation. This can be essential for protecting your investment before the work is completed.

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Why BrokerLink

Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.

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Our numbers speak for themselves

Factors that insurance companies consider when determining your roofing insurance premiums

Setting the right price for roofing insurance isn’t as simple as pulling a number out of a hat. Insurers look closely at how your roofing business operates, the types of jobs you take on, and even where you work to figure out your level of risk. Here's what insurance companies consider when determining your roofing insurance premiums:

Location

Urban roofing businesses often see higher premiums due to increased theft risk and greater legal exposure. For example, a roofing company based in downtown Toronto may have higher theft‑related premiums than one operating in a smaller Ontario community with a low crime rate.

Type of roofing work

Residential roofing is generally lower‑risk than large commercial or industrial projects, especially those requiring cranes, heavy equipment, or specialized safety protocols. For instance, an independent roofing contractor who installs asphalt shingles on bungalows is likely paying less in insurance premiums than a roofing company that specializes in replacing metal roofs on high‑rise buildings.

Annual revenue

Higher revenue usually means more projects, more crews, and more exposure to potential claims. Insurance providers see this as a sign that if something goes wrong, the claim amount could be larger. As such, a roofing company earning $3 million annually will likely face higher premiums than one earning $250,000, simply due to the scale of operations.

Value of business assets

The more valuable your tools, equipment, and vehicles are, the higher your insurance needs and premiums. A roofer with a fleet of trucks and specialty equipment like hydraulic hoists will likely pay more than a contractor with a single work van and basic tools.

Number of employees

More employees mean more potential for workplace injuries and liability claims. So, a 15‑person crew working on multiple job sites will likely carry higher insurance costs than a two‑person partnership.

Chosen coverage and limits

The broader your coverage and the higher your limits, the higher your premium. Adding recommended coverages like business interruption or cyber insurance will increase your rate, but it will also provide more overall protection.

Claims history

A clean claims record shows insurance companies that you’re a lower risk to insure, often earning you better rates. But if you have multiple or frequent claims on your record, this can increase your premiums, as they signal a higher likelihood of future losses.

Contact BrokerLink today

Your work keeps Canadian homes and businesses protected from the elements, but who’s protecting you? At BrokerLink, we understand the risks roofers face every day, from ladder accidents to costly property damage claims. That’s why we build insurance packages tailored to your trade, your tools, and the way you work.

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Roofing insurance FAQs

Is roofing insurance required in Canada?

While it's not federally required, in many provinces, roofing (contractors) insurance is required to meet licensing rules and win contracts. Plus, many clients will also require proof of at least liability coverage before hiring you.

How fast can I get a quote and coverage for roofing insurance?

Most roofing insurance quotes can be turned around quickly, often within 24 hours.

Do I need roofing insurance if I'm an independent roofing contractor?

Yes. Even solo roofers need roofing insurance to cover things like third-party injuries and property damage, theft of tools and equipment, commercial vehicles used for work, and more. One accident could cost thousands without proper protection.

Is roofing insurance required in Canada?

Do I need roofing insurance if I'm an independent roofing contractor?

How fast can I get a quote and coverage for roofing insurance?

Most roofing insurance quotes can be turned around quickly, often within 24 hours.

Vehicle Insurance

Property Insurance

Other Insurance

Roofer Insurance

What is roofer insurance?

Who we help

Who needs roofer insurance?

Why do you need roofer insurance?

Types of coverage for roofing businesses and contractors in Canada

Commercial general liability insurance

Commercial auto insurance

Assured bond insurance

Tools and equipment insurance

Commercial property insurance

Professional liability insurance

Installation floater insurance

Personal accident insurance

Cyber insurance

Umbrella insurance

Commercial general liability insurance

Commercial auto insurance

Assured bond insurance

Tools and equipment insurance

Commercial property insurance

Professional liability insurance

Installation floater insurance

Personal accident insurance

Cyber insurance

Umbrella insurance

Why BrokerLink

Our reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Anne Langevin

Peter Ayo

Chris Gelowitz

Digital Evolution

renee king

Andrea Case

Dan Hayes

Rana Najar

Mark Houston

Katherine Bedea

Jessie hansra

Ifedapo Adeniyi

David Ford

Michelle Hawgood

Trevor Hildebrand

Morgan Adekeye

Tyler Frisby

Steven Melowsky

Steve Payne

Matt & Sav Weetman

Brooklyn Seweryn

Craig Gillis

Cheryl Trush

Jinene Shinnicks

Geoff Aiken

Tony Hynes

Christine Fedrau

amanda

Lori Coffey

Our numbers speak for themselves

Factors that insurance companies consider when determining your roofing insurance premiums

Location

Type of roofing work

Annual revenue

Value of business assets

Number of employees

Chosen coverage and limits

Claims history

Contact BrokerLink today

Resources

Roofing insurance FAQs