Roofing Contractor Insurance
That’s Affordable
Why Roofers Need the Right Coverage
Roofing is high-risk, high-reward work—and without the right insurance, one fall, leak, or storm could wipe out your profit and your reputation. That’s where we come in.
At Affordable Contractors Insurance (ACI), we only insure contractors—so our policies are designed for the real risks roofers face. From general liability to completed operations, storm damage, and workers’ comp, we tailor each plan to fit your crew, your job sites, and your state requirements.
Protect Your Roofing Business with Insurance - Save Up to 25%
Start with as little as 20% down.
Why Choose ACI for Roofing Insurance?
Built for Roofers
We specialize in contractor insurance. It’s all we do.
Save Up to 25%
Bundle general liability, workers’ comp, and more into one affordable policy.
Start with 20% Down
We make it easy to get covered without draining your cash flow.
Same-Day Quotes & Binding
Fill out a quick form, talk to a roofing specialist, and lock in your coverage today.
Fast Certificate Requests
Need proof of insurance to win a bid or get on-site? Access certs online 24/7.
Nationwide Coverage
We’re licensed in all 50 states and build location-specific policies to keep you compliant.
Coverage You Can Count On
Residential Roofing Insurance
Whether you’re patching a leak or replacing a roof entirely, residential roofing involves plenty of risk—unsecured ladders, tools, debris, and the public nearby. That’s why every ACI residential roofing policy includes core protections to cover the most common (and costly) accidents that can happen on-site.
Your coverage includes:
Medical Payments
Medical expenses for homeowners or visitors injured on-site
Property Damage
Property damage coverage for broken windows, torn gutters, or landscaping
Equipment Coverage
Equipment and material coverage if your tools are damaged, stolen, or vandalized
Liability for accidents
Liability coverage for misplaced materials, falling debris, and on-site hazards
We keep your business protected, so one claim doesn’t knock you off the ladder.
Commercial Roofing Insurance
Commercial clients require more coverage, more compliance, and more professionalism. We help you meet all three.
Your commercial roofer policy can include:
Comprehensive liability insurance
General liability that meets business contract requirements
Workers’ comp coverage
Workers’ compensation for large teams and high-risk tasks
Protection for multiple locations
Protection across multiple job sites and states
Completed Operations Coverage
Custom limits for higher-value projects
Want to win bigger bids? It starts with the right policy.
Roofing Insurance Coverage You Can Count On
General Liability Insurance
Protects your company if you or your team accidentally injure someone or damage property—whether it’s a cracked skylight or a slip-and-fall on your worksite.
Workers’ Compensation
Required in most states. Covers medical expenses and lost wages if your employees get injured on the job.
Equipment Protection
Covers tools, trailers, and materials damaged by storms, vandalism, or theft.
Commercial Auto Insurance
Keep your company trucks and trailers protected across state lines or job sites.
Completed Operations Coverage
A leak six months after a job? Faulty installation claims? You’re covered long after the final invoice is sent.
Subcontractor Liability
Cover subcontractors under your policy—or request a COI and we’ll show you how to protect both your business and theirs.
If you’re bidding jobs, hiring help, entering client homes, or managing work crews—you need insurance.
What Makes Affordable Contractors Insurance Different?
At ACI, we know your roofing business is valuable. That’s why we’ve made the process simple and reliable:
We only insure contractors.
We understand your work and what’s at stake.
We offer live support
No phone trees, no waiting.
We have over 400 five-star reviews
Fom real roofing businesses.
Our clients stick with us.
96.4% renew year after year.
We’re licensed in all 50 states
And can write multi-state coverage.
Why Contractors Trust ACI
Customized policies
Only pay for the coverage you need
Competitive rates
Save up to 25% annually with bundles.
Fast quotes
Ongoing support
From mid-year check-ins to audits, we’re here to help.
GET A QUOTE IN MINUTES
Getting started is easy:
- 1. Fill out our online form
- 2. Speak to a specialist (optional—but helpful)
- 3. Start your policy with just 20% down
- 4. Access your certificate of insurance instantly
- 5. Go back to work, fully protected
It’s fast. It’s affordable. And it could save your business.
Roofing Insurance FAQs
We know roofing insurance can feel complicated. That’s why we’ve compiled answers to the questions we hear most often from roofing contractors like you. At ACI, our goal is to make insurance simple, fast, and reliable, so you can focus on your work without worrying about coverage.
1. How much does roofing insurance cost?
It varies by state, class code, and services offered. We’ll give you a quote that fits your work and budget.
2. Do I need roofing insurance if I work solo?
Yes. Even if you don’t have employees, you’re still liable for injuries, damage, and compliance issues. Solo roofers are among our most common clients.
3. What’s included in general liability insurance?
Coverage for third-party injuries, property damage, legal fees, and some medical costs related to incidents that happen on or near your job site.
4. Can I get proof of insurance today?
Yes. Once you bind your policy, we’ll send your COI (instantly in most cases) and you can access documents via your online portal.
Ready to Get Started?
Let’s build a roofing insurance policy that protects your crew, satisfies your clients, and helps you win more jobs. We’ll walk you through the process, get you insured fast, and support you every step of the way.
We’re More Than Just Insurance
When you team up with ACI, you’re getting more than just insurance—you’re gaining a partner who knows the roofing industry. We’re here to help you stay compliant, minimize risk, and keep your focus on growing your business—not dealing with red tape or legal headaches.
No phone menus, just real people who understand your needs.
Whether you’re a small or large business, we’ve got you covered.
When the unexpected happens, we’ve got your back.
Get a Quote Today
Protect your roofing business before trouble strikes. With just a few quick answers, we’ll craft an insurance policy tailored to your needs—so you’re ready for whatever the job throws your way.