--- title: Roofer Insurance | Get a Quote | PJ&C Insurance description: Get a quote on roofer insurance with PJ&C Insurance. Explore our tailored insurance options for businesses in AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC today. --- Roofing comes with serious risk. Our job is to minimize it. With over 50 years of experience and access to 60+ top-rated insurance carriers, Pepper, Johnstone & Company builds custom roofing contractor insurance policies that help protect your business from every angle—whether you’re doing tear-offs, repairs, or full replacements. # Insurance for Roofing Contractors from Pepper, Johnstone & Company Roofing contractors face some of the highest job site risks in the construction industry. Between working at heights, handling power tools, and navigating unpredictable weather, even routine projects come with serious exposure. You need an insurance policy that protects you from every element of doing business. At [Pepper, Johnstone & Company](/about), we work with more than 60 trusted insurance companies to craft tailored insurance plans for roofing businesses. Whether you’re residential, commercial, or both, we’ll help you protect your crew, your equipment, and your reputation. ### Get a free quote for roofing business insurance We’ll help you build a policy that covers your risks without overloading your budget. [GET A QUOTE](/insurance/specialty/roofer-insurance/quote) [GET SERVICE](/claims-services) * * * ## Why Insurance for Roofing Companies Matters Roofing jobs involve steep slopes, heavy materials, and high liability. A dropped tool, a loose shingle, or an unsecured harness can lead to serious injuries or expensive property damage. Insurance isn't just about meeting licensing requirements or satisfying client contracts—it’s about protecting your business from costly setbacks. The right coverage helps roofing contractors recover quickly from incidents, defend against legal claims, and keep projects moving. ## Essential Coverage Options for Roofing Contractors Roofers typically need a multi-layered insurance strategy that includes: ### [General Liability Insurance](/insurance/business/commercial-liability-insurance) Roofing liability insurance protects your business from third-party bodily injury and property damage claims, such as falling debris, shingle damage, or leaks after an install. ### [Workers’ Compensation Insurance](/insurance/business/workers-comp-insurance) Covers medical bill costs and lost wages for employees injured on the job, including ladder falls, heat-related illness, or tool-related accidents. ### [Commercial Property Insurance](/insurance/business/commercial-property-insurance) Designed to protect your office, warehouse, and materials in stored covered structures—like roofing shingles, underlayment, tools, and safety gear. ### [Commercial Umbrella Insurance](/insurance/business/commercial-umbrella-insurance) Adds additional liability protection when a claim exceeds the limits of your underlying general liability or workers’ comp policy. ### [Commercial Auto Insurance](/insurance/business/commercial-auto-insurance) Covers your work trucks and trailers used to transport materials and crew to job sites. Can also include liability and physical damage protection. ### [Employment Practices Liability Insurance (EPLI)](/insurance/business/employment-practices-liability-insurance) Covers claims of wrongful termination, discrimination, harassment, or wage disputes brought by current or former employees. ### [Fiduciary Liability Insurance](/insurance/business/fiduciary-liability-insurance) Protects your business from claims related to errors in managing employee benefits, such as retirement plans or group health policies. ### [Crime Insurance](/insurance/business/business-insurance) Covers losses related to employee theft, forgery, or other dishonest acts. #### Money-Saving Tip Bundling general liability, commercial auto, and inland marine policies with a single insurer may qualify you for multi-policy discounts. We’ll help you find smart ways to save. #### Coverage Tip General liability doesn’t cover employee falls, tool theft, or in-transit damage to your ladder rack. A layered policy is the best way to protect your people and your equipment. * * * ## Specialized Insurance Coverage for Roofing Projects Roofers use mobile equipment, expensive tools, and work in active construction environments. These coverages help address those unique risks: ### [Builders’ Risk Insurance](/insurance/business/builders-risk-insurance) Builders’ risk insurance protects materials and roofing systems during active construction or renovation. It covers damage to roofing supplies, underlayment, and partially completed work caused by weather, theft, or vandalism. ### [Inland Marine Insurance](/blog/what-is-inland-marine-insurance) Inland marine insurance protects roofing tools, ladders, safety gear, and other mobile equipment while in transit or stored in work vehicles. It helps prevent financial loss when equipment is stolen, damaged, or lost between job sites. ### [Surety Bonds](/insurance/business/bonds) Surety bonds offer a financial guarantee that you’ll fulfill your contractual obligations. Many commercial and municipal roofing projects require them before you can submit a bid or pull a permit. ## Protect More Than Just the Roof Your crew doesn’t just install roofs—they represent your company. That’s why we help roofing contractors plan for business risks beyond the job site, such as: - Employee injuries or legal disputes - Stolen tools or vandalized vehicles - Weather delays that halt work-in-progress - Accusations of poor workmanship or material defects - Cyberattacks targeting contracts or client payment info We’ll make sure your policies are current, comprehensive, and built to match the scale of your operation. ## Why Choose Pepper, Johnstone & Company Pepper, Johnstone & Company is an independent insurance agency with deep experience in construction risk. We compare policies across 60+ insurance companies to help roofing contractors secure cost-effective, job-ready protection. Our team brings a consultative approach to every account. That means we’ll review your operations, contracts, and crew size—and build a layered insurance program that’s ready for whatever the job throws your way. ## Frequently Asked Questions About Roofing Company Insurance What roofing business owners need to know ### What kind of insurance does a roofing contractor need? Most contractors need roofing general liability insurance, workers’ comp, commercial auto, and inland marine coverage. Depending on your projects and whether you use subcontractors, you may also need builders’ risk, umbrella, and surety bonds. These policies help you meet project requirements and cover legal, medical, and equipment-related risks. ### Does roofer insurance cover damage from poor workmanship? Typically, general liability coverage addresses property damage or injury caused by a covered accident—not workmanship defects. However, Pepper, Johnstone & Company can explore endorsements or specialty options that address this concern. We’ll walk you through the limitations and available add-ons. ### How much does roofing insurance cost? Premiums depend on your business size, payroll, claims history, and scope of work. High-risk trades like roofing often pay more than other contractors. A solo roofer may pay $300–$500/month, while a larger operation will need a more customized quote. We shop multiple insurance carriers to find the right balance of price and protection. ### Are subcontractors covered under my policy? No. Subcontractors must carry their own insurance and list your company as an additional insured. Always request a certificate of insurance before work begins. We can help you set up systems to confirm subcontractor compliance and reduce exposure. ### What happens if my tools are stolen off a job site? Standard commercial property insurance usually excludes mobile equipment unless you’ve added inland marine coverage (sometimes referred to as tool and equipment insurance). Inland marine insurance helps cover the cost of stolen or damaged tools, ladders, and gear in transit or on-site. ### Do I need a surety bond to get commercial roofing jobs? Often, yes. Many government, school, and commercial contracts require proof of bonding capacity. Surety bonds show that you can fulfill your obligations, and they can help you win higher-value jobs. We can help you get bonded quickly and stay compliant with project requirements. ## What do people think about us? We’re trusted by contractors who build—and rebuild—communities. ![Russ L.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp) on Google I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them. **— Russ L.** ![Lauren M.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp) on Google We are very pleased with our services that Pepper, Johnstone and Company provide for us! Both with business and personal needs, we feel like we are receiving excellent resources. We truly would not trust anyone else for our insurance needs! **— Lauren M.** ![Kevin G.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp) on Google Thankful for the opportunity to work with Pepper, Johnston’s and Co. They helped us add basic insurance needs for our newly formed LLC. The responsiveness, willingness to answer numerous questions, and guide us through multiple options was greatly appreciated. I’d like to especially thank Meredith Baswell of their staff who helped us through the process. I’d recommend you seek their advice and input on commercial and personal insurance options. **— Kevin G.** ![Laura D.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp) on Google This is the best insurance agency hands down. We have our home, car, and business insurance through them. Julie has always gone above and beyond to help us. We wouldn’t use anyone else. **— Laura D.** ![Jeremiah H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-3.b43c3cdfeb80d6382a553b4fec3a455754692db1f101fb39711934fad717fb96.webp) on Google Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them. **— Jeremiah H.** ![Troy R.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-4.94ddcfa4b7f8890cecb0d95c8670e5c7cc87e4f24ba2d9c234739fec89ddd1b3.webp) on Google Pepper, Johnstone is a very professional and responsive insurance company. They were able to assist me with a full suite insurance solution very promptly and at a great value. Most importantly, I felt completely comfortable that I was being handled by true professionals. Bryan Johnstone is great at his job and I would recommend him highly to anyone who needs insurance advice for themselves or their business. **— Troy R.** [MORE REVIEWS](/about/client-testimonials) ## Insurance Articles from the Pepper, Johnstone & Company blog [**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover) [**Professional Liability Insurance for Consultants & Accountants** — A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…](/blog/professional-liability-insurance-what-consultants-accountants-need) [**General Contractor Insurance: A Complete Coverage Guide** — In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…](/blog/general-contractor-insurance-a-complete-coverage-guide) [View all articles](/blog) ## Related Industries We Cover [**— Drywall Installers —** - For framing & finishing pros](/insurance/specialty/drywall-contractor-insurance) [**— Painters —** - For interior & exterior paint contractors](/insurance/specialty/painter-insurance) [**— Tile Installers —** - For flooring & wet-area specialists](/insurance/specialty/tile-contractor-insurance) [**— Residential General Contractors —** - For builders managing all trades](/insurance/specialty/residential-general-contractor-insurance) ## Let’s Build Your Roofer Protection Plan Your business faces big risks with every job. Call Pepper, Johnstone & Company at [866-865-3499](tel:+1-866-865-3499) or [request an insurance quote online](/insurance/specialty/roofer-insurance/quote). We’ll help you create a roofer insurance policy that supports your growth and protects you from the top down. ```json {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What kind of insurance does a roofing contractor need?","acceptedAnswer":{"@type":"Answer","text":"Most contractors need roofing general liability insurance, workers’ comp, commercial auto, and inland marine coverage. Depending on your projects and whether you use subcontractors, you may also need builders’ risk, umbrella, and surety bonds. These policies help you meet project requirements and cover legal, medical, and equipment-related risks."}},{"@type":"Question","name":"Does roofer insurance cover damage from poor workmanship?","acceptedAnswer":{"@type":"Answer","text":"Typically, general liability coverage addresses property damage or injury caused by a covered accident—not workmanship defects. 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