Roofing Contractor Insurance That Keeps You on the Job
Roofing is one of the most scrutinized trades when it comes to insurance. Clients Choice Insurance specializes in coverage for Colorado roofing contractors — from small residential crews to large commercial operations.
Get a Fast Quote · (719) 286-9425Essential Coverages for Roofing Contractors
| Coverage | Why You Need It |
|---|---|
| General Liability | Covers third-party injury and property damage — required on nearly every job |
| Workers' Compensation | Mandatory in Colorado for employees; protects against fall and injury claims |
| Commercial Auto | Covers your trucks, trailers, and haul vehicles |
| Inland Marine | Covers roofing materials and equipment in transit or on job sites |
| Umbrella / Excess Liability | Critical for roofing due to the high-risk nature of the work |
| Contractors All Risk | Covers damage to the work in progress — especially valuable on large roofing jobs |
Why Roofing Contractors in Colorado Trust Clients Choice
- Specialists in high-risk trades — we know what underwriters look for
- Access to markets that write roofing coverage others won't
- Same-day COIs for GC and commercial clients
- Colorado-based — we understand hail season risks
- Competitive rates for both residential and commercial roofers
Frequently Asked Questions
Why is roofing insurance so expensive?
Roofing has one of the highest injury rates in construction. Falls, equipment accidents, and weather exposure all increase risk — but we work with specialty carriers to find competitive rates.
Can I get coverage if I've had claims before?
Yes. We work with multiple carriers and have markets for contractors with prior claims. Call us to discuss your situation.
Do subcontractors need their own insurance?
Yes — and you should require proof of it. If a sub causes damage and they're uninsured, you could be held liable.
I only do storm restoration work. Do I still need full coverage?
Absolutely. Storm restoration roofers face the same risks as any roofer — and sometimes more, given the pace of work and scope of projects.
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