Roofing insurance covers various work-related risks associated with handling a roofing company. The most common coverage for roofers is general liability, which could minimize your business’ out-of-pocket costs after an accident. Roofing contractor insurance cost depends on several factors, including your coverage needs, the number of employees, and claims history. Your risk exposure also influences what you’ll pay. Roofers need to obtain general liability insurance from the E&S market, which means their premium might be higher than a standard market plan. E&S insurance usually costs more because these carriers support expensive claims that typical insurers can’t handle. Other contractor professions, like HVAC technicians, will usually have lower insurance rates than roofing companies. Both jobs provide essential home services, but roofing is considered more dangerous.