When it comes to roofing, the risks are real—both for the people doing the work and for the homeowners paying for it. From high ladders and heavy tools to unexpected weather and property damage, roofing projects involve more than just replacing shingles. That’s why roofing insurance matters so much.
Whether you’re a roofing contractor or a homeowner looking to hire one, knowing what roofing insurance includes—and who actually needs it—can protect you from unexpected costs and stress. This blog breaks down what roofing insurance covers, why it’s important, and how to make sure you’re not left paying for damages you didn’t expect.
What Is Roofing Insurance and Why It Matters
Roofing insurance is a group of policies that provide coverage for various risks associated with roofing work. For contractors, it protects against liability if something goes wrong during a job. For homeowners, it ensures that the professionals they hire are responsible for any damage or injuries that happen while working on their property.
In both cases, roofing insurance adds a layer of protection. It’s not just paperwork—it’s a safety net that could prevent thousands of dollars in damages, legal fees, or medical bills.
Types of Roofing Insurance Coverage
Understanding what’s included in roofing insurance helps you make better choices, whether you’re running a roofing company or hiring one. Here are the most common types of coverage:
General Liability Insurance for Roofers
This is the most essential part of roofing insurance. Roofing liability insurance protects the roofer from being personally responsible if:
- A tool falls and damages a client’s car
- A ladder scratches a window
- Someone gets injured near the work site
This insurance helps pay for repairs, medical bills, or legal fees if someone files a claim.
Public Liability Insurance for Roofing
Public liability coverage focuses on third-party damage or injury. It’s similar to general liability but specifically addresses claims from the public—not employees. For example:
- Debris blows off a roof and hits a neighbor’s property
- Someone walking by gets injured from loose materials
Public liability insurance for roofing makes sure the contractor can handle these claims without the homeowner getting pulled into the mess.
Workers’ Compensation
Roofing is a high-risk job. If a roofer slips or falls, workers’ compensation insurance helps cover their medical bills and lost income. In many parts of Canada, it’s required by law for businesses with employees. It protects both the worker and the company from financial strain after an accident.
Equipment and Tool Insurance
Roofing tools and machinery are expensive. Tool theft and accidental damage are more common than you’d think. This insurance helps replace stolen or broken items so work can continue with minimal delays.
Roof Coverage for Homeowners
Many homeowners assume their home insurance includes full roof coverage—but that’s only partly true. Most standard policies cover damage from events like:
- Wind or hailstorms
- Fire
- Falling branches or trees
However, insurance usually won’t cover:
- Normal wear and tear
- Damage from poor installation
- Leaks from old age or poor maintenance
That’s why it’s critical for homeowners to hire insured roofers. If a contractor isn’t insured and damages your home, your insurance provider may not pay for it.
Why Homeowners Should Always Hire an Insured Roofer
Roof repairs or replacements are a big investment. Hiring an insured roofer isn’t just a smart idea—it’s a basic form of protection.
Here’s why it matters:
- You’re protected from liability if someone gets hurt on your property
- The contractor is responsible for any accidental damage to your home
- You avoid disputes or delays caused by out-of-pocket expenses
Before hiring any roofer, ask for proof of insurance and confirm that it includes both roofing liability insurance and workers’ compensation.
Who Needs Roofing Insurance?
Roofing insurance isn’t one-size-fits-all. The need for it depends on your role in the roofing project.
Contractors and Roofing Businesses
If you’re a contractor, roofing insurance is not optional—it’s essential. Working without insurance puts your business, finances, and reputation at risk. With proper insurance:
- You can bid for more jobs (most clients ask for proof of insurance)
- You’re protected from lawsuits and property claims
- Your team is covered in case of injury
It also builds trust with clients, which is key for business growth.
Homeowners Planning Roofing Work
As a homeowner, you may not need to buy roofing coverage yourself, but you absolutely need to make sure the roofer you hire is insured. This protects you from being held responsible for accidents, injuries, or damages during the project.
How to Check if a Roofer Has Proper Insurance
Before signing a contract, ask the roofer to show:
- Proof of roofing liability insurance.
- A valid workers’ compensation certificate.
- Details of their public liability insurance.
Also, double-check the dates to make sure the policies are active and not expired.
You can even contact their insurance company to confirm coverage if you’re unsure.
Final Thoughts
Roofing projects are major undertakings, and whether you’re doing the work or hiring someone to do it, roofing insurance offers the peace of mind everyone deserves.
For contractors, it protects your business and your team. For homeowners, it ensures the work on your property won’t come with unexpected problems or bills.
At Choice Insurance Services, we help roofing professionals and property owners across Canada get the coverage they actually need—clear, affordable, and backed by real support.
