Roofing Insurance

Whether you run a large roofing company or you are an independent contractor, it’s critical to protect your business with Roofing Insurance.

Join thousands of Roofing Contractors that are already protected!

Partnership with over 50 leading Canadian insurance companies

Zen Man protected by Roofing Insurance

What is Roofing Insurance?

The quality of roofing services provided for your client is expected to withstand the seasonal climate changes each Canadian province faces.

Working on the foundational structure of a building presents a different level of risk.

Roofing Insurance is a policy package designed for roofing contractors that provide financial coverage for the common risks associated with owning a roofing company, such as third-party property damage, accidents and equipment loss.


What does Roofing Insurance cover?

It is important to have insurance coverage specifically designed for the risks you encounter and the equipment you own.

A comprehensive roofing contractor insurance program will typically include the following:

  • General Liability Insurance: covers for costs associated with common roofing liability risks, such as third-party injuries or property damage.
  • Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
    • Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
  • Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.
  • Pollution Liability Insurancecovers third-party bodily injury, property damage and environmental damage due to both gradual and sudden pollution events that occur on a covered job site.

Who needs Roofing Insurance?

Regardless of the roofing services provided (residential or commercial), there will still be risks of third-party injuries and property damage, especially in locations prone to harsher weather elements.

Insurance coverage will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 contractors. Some of our roofing clients include:

  • Commercial Roofing Contractors
  • Attic Ventilation
  • Flat Roofing
  • Hot Tar Roofing
  • Roof Leak Repair & Maintenance
  • Metal Roofing
  • Roof Snow and Ice Removal
  • Siding & Eavestrough
  • Slate Roofing

Zensurance is a proud member of the Canadian Roofing Contractors Association

CRCA - Logo


How much does Roofing Liability Insurance cost?

The cost of insurance for a small roofing business working on residential projects typically starts at $540 for a Commercial General Liability Insurance policy with a $2M coverage limit.

There are several factors considered when determining a price for a Landscaping Insurance policy package, including:

  • Number of Employees (Independent Contractor vs Large Business)
  • Project type (Commercial vs Residential)
  • Years of Experience
  • Application Methods (Heat application – torch/hot air gun)
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

Getting insured is quick and easy!

If Roofing Insurance is what you need, request a free quote now.

Common scenarios where Roofing Insurance is useful

Commercial building on fire

Problem: You’re contracted to work on a commercial flat roof construction project. During the heating process, the torch flames caught on some dried leaves igniting a fire that damages one side of the roof.

Outcome: Your Commercial General Liability Insurance will cover the  $175,000 cost to repair the damaged property that resulted from the fire.

Mold in attic

Problem: One of your inexperienced sub-contractors improperly install a new roof, which accrued a nest of moisture over the following weeks of rainfall.  Mold growth accumulates over time and contaminates valuable items that were stored in the client’s attic.

Outcome: Pollution Liability Insurance covers the $36,000 costs to replace the contaminated items and repair the attic.

Work Tools on Roof

Problem: While working on a residential roof, your client accidentally ran over and destroyed your Tramex Roof Master Kit that was left on the driveway.

Outcome: Your Tools and Equipment Insurance coverage will reimburse the $10,000 to replace your broken roofing inspection equipment.

What our customers friends say about us

Our customers ❤ us, and so will you! Learn why thousands of Canadian small businesses trust us with their insurance needs.

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Getting business insurance shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.