General Liability | Roofing Equipment | Installation Coverage | Commercial Auto
Roofing work carries serious exposure — falls, weather damage, property claims, and heavy material handling are part of the job. Because no two roofing businesses operate the same way, insurance should be structured around your specific services, crew size, and jobsite requirements.
Catanzaro Insurance helps roofing contractors in Ohio, Indiana, and Illinois explore coverage options that may fit their operations — with fast quotes, clear explanations, and jobsite-ready Certificates of Insurance (COIs).
✅ Common Coverage Options for Roofing Contractors
Coverage availability and eligibility vary by carrier and underwriting guidelines. Below are coverages many roofing contractors consider, depending on their operations.
General Liability Insurance
General liability may provide protection if a client or third party alleges bodily injury or property damage arising from your work. Roofing contractors often look at this coverage for exposures such as:
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Accidental damage to siding, gutters, windows, or landscaping
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Claims from falling debris or materials
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Trip/slip hazards near ladders or equipment
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Completed-operations claims after a job is finished
This is typically the foundation of a roofing insurance package.
Workers’ Compensation (State Specific)
If you have employees, workers’ comp may be required depending on the state and your business structure. Roofing classifications are higher-hazard in most states, so proper setup and classification matter.
We’ll help you understand what applies in Ohio, Indiana, and Illinois based on your crew and operations.
Commercial Auto Insurance
Roofers often rely on work vehicles daily. Commercial auto may be available for:
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Pickup trucks and work vans
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Dump trailers
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Box trucks
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Material delivery vehicles
Coverage options vary, including liability and physical damage.
Tools & Equipment / Inland Marine
Many roofing businesses carry portable tools and gear that may be insurable under inland marine forms, such as:
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Nailers, compressors, generators
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Ladders, harnesses, safety gear
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Shingle tools and tear-off equipment
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Portable jobsite materials
This type of coverage may apply whether tools are on the jobsite, in transit, or stored.
Installation Floater (Materials Coverage)
Roofing contractors often have materials staged at a jobsite before installation. An installation floater may provide coverage for certain materials awaiting installation, depending on the policy.
Umbrella Liability
Some roofing contractors choose umbrella liability to increase total limits above general liability, auto liability, and employers liability, depending on contract requirements and risk tolerance.
🧰 Roofing Businesses We Can Assist
We work with a wide range of roofing operations, depending on eligibility, including:
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Residential roofing contractors
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Commercial roofers
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Repair and maintenance crews
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Flat roof and membrane installers
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Metal roofing contractors
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Storm-response roofers
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New ventures and small crews
If you install, repair, or maintain roofs, we can help you review coverage options for your specific exposure.
⭐ Why Roofing Contractors Work With Catanzaro Insurance
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Ohio-based agency serving Ohio, Indiana & Illinois
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Fast turnaround for quotes and COIs
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Experience with higher-hazard trades like roofing
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Simple process with clear, practical explanations
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Ongoing support for renewals and jobsite certificate requests
We focus on helping contractors stay compliant and protected without unnecessary complexity.
Real-World Jobsite Scenarios
Coverage depends on policy terms and eligibility. Examples of situations roofing contractors often want to plan for include:
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A bundle of shingles slides off a roof and damages a customer’s vehicle
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A ladder setup leads to a third-party injury allegation
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Tools are stolen from a trailer overnight
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A work truck backs into a gate on a jobsite
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A completed roof later produces a leak claim
Your policy should be built around the types of risks your crew regularly faces.
Roofing Contractor Insurance FAQs
Do I need insurance if I’m a solo roofer?
Many solo operators carry general liability and tools/equipment coverage because even small jobs can generate high-severity claims. Eligibility and pricing vary.
Can you provide COIs for GCs or commercial jobsites?
Yes. We routinely issue Certificates of Insurance for general contractors, city permits, landlords, and commercial property managers.
Is workers’ comp always required?
Requirements vary by state and business structure. We’ll help you understand what applies based on your operation in Ohio, Indiana, or Illinois.
Will my tools be covered in my truck?
Auto policies typically don’t cover tools. Many roofers use inland marine/tools & equipment coverage for job gear.
📝 Request a Roofing Contractor Insurance Quote
Roofing insurance pricing and eligibility depend on your services, payroll, experience, claims history, and safety controls. We’ll help you review available options and provide quotes where eligible.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
Or complete the short form below to get started.
We’ll compare options and help you choose the best value for roofing contractor insurance in Ohio, Indiana, and Illinois.