Roofers Insurance in Ontario

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Written by Nolan Wilson Updated on October 17, 2025 min read

Find the best rates on roofers liability insurance

Roofing can be a relatively high-risk business. All it takes is one mistake to put you at risk. A business insurance policy designed specifically for roofing contractors in Ontario will protect you against threats and liabilities. ThinkInsure will help you compare roofer insurance quotes. We’ll find you the lowest premiums and the best coverage.

Top things to know about roofing company insurance

Roofing insurance protects against common roofing industry risks like third-party property damage, on-the-job accidents, and equipment loss.
Basic liability plans for commercial roofers start as low as $500 per year.
The most common risks for roofers include employee injuries, damage to customer property, and legal threats due to contract disputes, all of which roofing insurance helps to mitigate.
Roofers insurance is not legally required, but highly recommended. It offers financial and legal protection, helps build client trust, and can attract quality employees.

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What is roofing insurance?

Roofing contractors can get a specialized insurance policy to protect them from common industry risks. Policies include coverage for third-party property damage, accidents on the job, equipment loss, and more. Plans typically start with commercial general liability insurance, with additional policies added as necessary to create a comprehensive portfolio.

Why do roofers need insurance?

worker scraping plaster off of ceiling lathe with a crowbar

Accidents, mistakes, and unforeseen circumstances are inherent in roofing projects. Without adequate protection, these situations can lead to significant financial losses, which alone justifies the need for insurance. Beyond financial protection, a roofer's insurance policy offers several other benefits, such as legal protection, having proof of insurance to build trust and win new jobs, and attracting top-quality roofers to work for your company.

What are the most common types of risks/threats for roofers?

Roofing is a dangerous trade by nature. You work at heights, with dangerous tools, and face a variety of potential risks. The most common threats for roofers are injuries on the job, damage to a customer's property, and legal threats related to contract disputes.

Employee Injuries: An employee may suffer severe injuries from a fall, leading to extended time off work.
Property damage: Tools or equipment might fall from a roof, damaging vehicles or other property below.
Customer dissatisfaction & lawsuits: Clients could file lawsuits claiming dissatisfaction with completed roofing jobs.
Third-party injuries: On windy days, loose shingles or other debris could become airborne, injuring pedestrians and resulting in lawsuits.

What types of roofing companies need insurance?

All types of roofing companies should have insurance to protect them while on the job. This includes:

Commercial roofing
Residential roofing
Roof shingle installation
Evestrough installation and repair
Gutter guard installers
Tile roofers
Flat roofing
Metal roofing
Hot roofing

What does roofers insurance cover?

Roofing company insurance protects against many types of threats. It covers personal items and equipment, including tools of the trade, supplies, and materials. It also protects your property, such as your office, shop, or storefront. Furthermore, it provides coverage for liability claims, including harm to advertising and reputation, bodily injury, lawsuits, and legal defense costs. Damage to third-party property, resulting from your work on a customer’s property, is also covered.

Roofers insurance claims examples

Example #1

Your company is hired to replace the roof at a home. In the process of removing the old shingles, the wind picks up, and a number of shingles fly off the roof and land on a neighbour's car, denting the hood and catching the paint. Your insurance policy will help to cover the cost of the damage.

Example #2

You are working on a commercial roofing project. You are hired to replace the roof at a local business. While installing the new roof, one of your employees forgot to add a moisture barrier. Two weeks later, there was heavy rainfall, and the roof leaked, causing damage to the interior of the business. The company sues. Your policy will cover the legal fees and the cost of repairing the damage to the roof and interior.

What type of insurance coverage do roofers need?

Roofers require a combination of different coverages to protect them against different threats. All roofers need liability insurance at a minimum. Then you can add other coverage as required for your business operations. Here’s a list of common coverage found in roofers' insurance policies:

Commercial general liability insurance is included in all basic plans and is one of the most important forms of protection.
Equipment breakdown insurance: Have coverage if your equipment unexpectedly needs repairs.
Errors and omissions insurance: Mistakes happen. Be protected if you or an employee makes an error.
Installation floater: Protection for your tools and roofing materials, such as shingles and flashing.
Pollution liability: The type of work landscapers do could potentially cause environmental damage or cause injury to others. This coverage protects you if, for example, you spill fuel or pollute a water source.
Surety bonds: Ensure you are bonded to meet client requirements to win projects.
Commercial property insurance: Protect your shop, storefront, and storage locations.
Commercial auto insurance: Insure the vehicles you use for business purposes. If you have multiple vehicles, consider Fleet insurance.

How much does roofing insurance cost?

Insurance for small residential roofing companies typically starts at $500 annually, providing $2 million in liability coverage. Larger commercial roofers will have higher premiums.

The main factors influencing insurance premiums include:

Type of roofing services
Project risk level
Company size and number of employees
Selected plan type and coverage limits
Custom plans and additional endorsements
Prior insurance and claims history

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Roofing company insurance FAQs

Is roofers insurance coverage legally required in Ontario?

No, comprehensive roofers insurance coverage, like Commercial General Liability, is not legally mandated in Ontario, but Workplace Safety Insurance Board (WSIB) coverage is mandatory for roofers and most construction businesses to protect their workers and themselves.

Does roofers insurance cover me if I hire subcontractors to help with a job?

Roofing insurance policies typically do not cover subcontractors or part-time employees. It covers full-time employees who work for the roofing company. Speak with your insurer to get clarification about what is covered by your policy.

Does a roofers insurance policy cover all types of roofing jobs?

Insurance policies have exclusions. Some insurers could exclude certain types of roofing work. Speak with your insurer to get verification about what is and is not covered by your plan.

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Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

Roofers Insurance

Save on roofers insurance in Ontario and protect your roofing business against liabilities for a lower rate.