Roofing is one of the riskiest trades in construction, with high fall rates, extreme weather exposure, and expensive material losses. Whether you install shingles, metal, or flat roofing, one injury, storm delay, or defective installation could cost thousands without proper insurance.
Here’s why roofing contractors in Colorado need specialized insurance protection—and how to stay covered from costly claims.
The Biggest Risks for Roofers in Colorado
🏗 Falls & Worker Injuries – Falls from roofs and ladders are one of the leading causes of workplace fatalities.
🌨 Weather-Related Delays & Storm Damage – Sudden hailstorms can damage work in progress, causing material losses.
⚠️ Defective Installations – Poor flashing or improper shingle application can lead to expensive leak repairs and lawsuits.
🚚 Transporting Materials & Equipment – Heavy roofing materials increase accident risks for work trucks.
💡 Real Case Study: A roofing contractor in Colorado Springs was sued for $500,000 after an improperly installed roof caused severe interior water damage to a luxury home. Professional liability insurance covered the claim.
Essential Insurance for Roofers
✔ General Liability Insurance – Covers property damage and third-party injuries.
✔ Workers’ Compensation – Legally required in Colorado for businesses with employees.
✔ Professional Liability Insurance – Covers faulty installation claims.
✔ Builder’s Risk Insurance – Protects unfinished roofing projects from storm damage.
✔ Commercial Auto Insurance – Covers work trucks and hauling materials.
✔ Equipment & Tool Coverage – Protects nail guns, ladders, and roofing tools from theft or damage.
💡 Did You Know? Some Colorado counties require roofers to carry a minimum of $1M in liability insurance before obtaining a business license.
How to Lower Insurance Costs for Roofers
🔹 Invest in safety training to reduce fall-related claims.
🔹 Use drones for roof inspections to minimize worker risk.
🔹 Bundle coverage for liability, workers’ comp, and auto insurance to get lower rates.
Final Thoughts
Roofing is one of the most high-risk trades, but the right insurance coverage ensures your business is protected from injuries, lawsuits, and extreme weather losses. Don’t let one accident or storm delay put your roofing company out of business—get the right coverage today.
