A slip on a steep pitch, a torch that sparks a fire in the attic, a storm that brings a rush of repair jobs and a rush of claims. Roofing is one of the riskiest trades in construction, and one serious claim can cost a roofing company more than it earns in a year. Roofing insurance is the set of business policies that pays for these losses, so one bad day does not close your company.
Hereth Insurance Consulting is an independent insurance agency in Columbia, MO. We help Missouri roofers, from repair-only crews to storm-repair contractors, compare coverage from 100+ carriers. Request a free quote, or keep reading to see what you need.
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ROOFING INSURANCE MISSOURI
Roofing insurance is not one policy. It is a package of contractor insurance coverages built for the risks of working on roofs. Owners also search for roofing contractor insurance, roofer insurance or roofing liability insurance. They all describe the same package. Most Missouri roofing contractors start with these:
General liability pays when your work damages a customer’s property or injures someone. For roofers, that often means water damage after a leak, a fire started by a torch or heat tool, or a dropped tool or shingle. It can also respond to claims that appear after the job is finished, such as a leak months later. This is called completed operations coverage, and roofers should ask for it by name. Read our guide to general liability insurance in Missouri to see how limits and exclusions work.
Falls, burns and heat illness make roofing one of the highest-risk jobs for workers’ compensation. It pays medical bills and lost wages when an employee is hurt on the job. According to the Missouri Department of Labor, construction employers must carry it with one or more employees. Read our guide to workers’ compensation insurance in Missouri for the full rules.
Your trucks haul crews, ladders and materials to every job. A personal auto policy often will not cover a vehicle your business owns and uses, so you need commercial auto insurance. Read our guide to commercial auto insurance in Missouri for details. Tools and equipment coverage, also called inland marine, protects ladders, nail guns, tear-off equipment and materials from theft, fire and damage, including while they are on the road or on a job site.
Hail and wind keep Missouri roofers busy. The National Weather Service reports that about 73% of significant hail reports in Missouri and Illinois fell between March and June, so spring brings a rush of storm work. That work comes with extra risk:
Weather data comes from the National Weather Service. Confirm current Missouri rules with an attorney or the Department of Insurance.
Roofing licenses in Missouri are mostly handled by cities and counties, and some also ask for a license bond or proof of liability insurance. Check the rules with the building department where you work. Homeowners, property managers and general contractors will also ask for a certificate of insurance before you start. We issue certificates fast so you can keep jobs moving.
Roofing insurance is priced higher than most trades because of the height and the injury risk. For a national benchmark, Insureon reports these median costs for roofing contractors:
Carriers set your actual price from these factors:
The most reliable way to see real numbers is a side-by-side comparison, so we request quotes from several carriers for your exact company. For a wider view of how premiums are built, read our guide to commercial insurance costs.
We insure roofing companies of every size across Missouri, including:
Whether you replace shingles on homes or install commercial roofing systems, we match the policy to the work you actually do.
It depends on your work, payroll, claims history and limits. For a national benchmark, Insureon reports median costs for roofing contractors of about $317 a month for general liability and about $175 a month for workers’ compensation. Your price may be higher or lower. We compare several carriers so you can see real options for your company.
Most roofers need general liability with completed operations coverage, workers’ compensation once they have employees, commercial auto for work trucks, and tools and equipment coverage. Many customers and general contractors will also ask for a certificate of insurance before you start a job.
This is a homeowner question. A roof can be hard to insure when it is very old, badly worn or damaged, or has a history of leaks or claims. Insurers may then raise the price, limit coverage or decline it. Our Missouri home insurance page explains more.
A $1,000,000 liability limit is priced by risk, not by the limit alone. For roofing contractors, Insureon reports a median of about $317 a month for general liability, which is higher than many trades. Your premium depends on your type of roofing, payroll, claims history and location. A Hereth agent can quote the limits you need.
Getting covered is simple. Have these items ready before you call:
| Coverage | What it protects | Why it matters to a roofer |
|---|---|---|
| General liability | Injuries and property damage from your work | Covers water damage, fire and dropped-object claims |
| Workers’ compensation | Medical costs and lost wages for injured employees | Covers falls, burns and other on-the-job injuries |
| Commercial auto | Trucks and trailers owned by the business | Covers vehicles your business owns and uses |
| Tools and equipment | Ladders, tear-off gear and materials | Covers theft, fire and damage |
| Certificates of insurance | Proof of coverage for clients | Often required before you start a job |
Roofing is part of the wider construction trades. These guides may help:
Not sure which one fits? Call us and we will point you to the right coverage.
Hereth Insurance Consulting is an independent agency based in Columbia, MO, serving Missouri businesses. We work for you, not for a single carrier.
Whether you run a small repair crew or a large roofing company, our goal is simple: find coverage that fits your work and your budget.
Whatever else is going on with your business, our team can usually fold it into the same conversation, so there is no need to start from scratch with a separate agent for every policy.
One fall or one leak claim should not end the business you built. Let us build roofing insurance that protects your work and your crew.
🏠 Call 573-475-4015, email Jordan@HerethInsuranceConsulting.com or visit us at 1207 W. Broadway, Suite 103, Columbia, MO 65203.
Our insurance office is based in the heart of Columbia, Missouri. Whether you prefer to meet in person or connect remotely for a consultation — expert insurance guidance is always available both ways, at no cost to you.
