Roofing Insurance

Minnesota Roofing Insurance

Are you searching for roofing insurance in Minnesota?  Your search ends here.

Minnesota roofing insurance quotes are now just a click away! As a roofer, you need proper roofing contractor insurance protection for your business. You’ve worked hard to get where you are and don’t need an accident or other mishap to screw things up.

One of our favorite classifications is roofing, and when you love what you do, it shows. We are insurance professionals, and roofers throughout Minnesota are glad they found us.

Ask a question. It’s always free, and please request a quote from us. Let us keep your roofing insurance cost under control

We quote multiple roofing liability insurance companies and compare them to find you the best rate and the proper coverage. Having clients all over Minnesota, like Minneapolis and St. Paul, Brooklyn Park, Farmington, Eagan, Bloomington, Duluth, Plymouth, Coon Rapids, Apple Valley.

Please provide your information once, let us shop for you. For your Minnesota roofing contractors insurance, make us the first and your last call, 952-222-8073.

General Liability Insurance for Roofing Contractors

General liability insurance is the core policy for Minnesota roofing companies. Roofers buy this policy first. What does general liability insurance cover? General liability insurance / public liability insurance covers bodily injury and property damage claims.

Roofing general liability insurance protects your premises, product, operations, and completed operations.

Often MN roofing company insurance will include a property damage deductible, such as $1,000 or $2,500. Consider the property damage deductible when picking the best insurance for your roofing business.

Common limits of liability coverage are $1,000,000/$2,000,000. The $1,000,000 represents the per occurrence limit or claim. The $2,000,000 represents the aggregate limits or maximum per policy term limit for all claims presented.

You must understand the basics here because you should have a contract with a hold harmless agreement and insurance requirements with all your sub-contractors. We have some excellent examples to share with you; please ask us.

Request a cheap roofing insurance quote. Would you please take the next step and ask a question? We are here to help.

You might be delightfully surprised at our service and low-cost options. Call us at 952-222-8073.

My General Contractor is Looking for Proof of Insurance

Many times a general contractor will be asking for a certificate of insurance so you can work and get paid.  They are just looking for general liability insurance fifty percent of the time.

Another common thing general contractors do is ask to be an additional insured on your policy. You are adding them as an additional insured, sharing your liability insurance limits with them, and making a claim more complex.

Perhaps even more crucial is to provide a certificate of insurance for roofing workers comp insurance.

We also see requests for commercial auto insurance and commercial umbrella insurance. Adding all of this coverage may seem like a lot, but all of these things listed here are part of proper risk transfer.

Minnesota Roofing Company Insurance Cost 

As a roofing contractor in Minnesota, it’s vital to have Minnesota roofing contractors insurance. The cost can vary but generally starts at $175.00 per month.

Whether you are new in business or an experienced pro, we will make sure you have the best plan to fit your needs. We know that Minnesota roofing contractor liability insurance is crucial.

Our Minnesota roofing contractor insurance and all come with an insurance agent. They will work directly with you and shop multiple insurance companies to get you the very best rate. Then we customize it to meet your exact needs.

Protecting your roofing business is our top priority, and finding you the lowest cost is number two.

We insure residential and commercial roofing contractors in Minnesota. We will make sure your Minnesota roofing contractor insurance cost is affordable for your budget.

Reach out to us today to discuss Minnesota general liability insurance for roofers and find out how we can help you. Give us a call today at 952-222-8073.

Contact Us for Quote 

Tell us about your Minnesota roofing business and insurance needs. We are listening.

We will put together a customized insurance plan to only pay for your needs. We help roofers every day find affordable insurance.

Request your MN roofing contractor’s general liability insurance quote now!

You will be happy you did. Don’t wait any longer. Other roofers in Minnesota have saved 37% or more.

Do yourself a favor and call 952-222-8073 right now or use the quick quote form on this page.

 Frequently Asked Questions (FAQs)

Q- What insurance do I need to be a roofer?

Ans:- As a roofer in Minnesota, there are several insurance policies to consider. The first is general liability insurance, followed by workers’ compensation and commercial auto insurance.

If you intend to get licensed, you will need a $15,000 roofing bond in Minnesota.

Q- How much does a roofing license cost in MN?

Ans:- There must be one qualifying person, and the cost is $165. This Minnesota residential roofers license fee is the same regardless of when you become licensed during the license period.

The $15,000 roofing bond usually is around $125 the first year.

General liability insurance is also a requirement, and that can run $175 per month or more for the $300,000 per occurrence limit and at least $10,000 in property damage coverage. All of the policies we sell meet the State of Minnesota’s requirements.

The exam will also need to be taken, which is $50.

Q- Why is roofing insurance so expensive?

Ans:- Damage to property and injuries claims lead to expensive insurance for roofing. Water is one of a homeowner’s and property owner’s worse nightmares.

Water combined with injuries, litigation costs, and injured workers (heights) spells expensive medical and wage loss bills.

We can help you get and keep your costs under control. We sell general liability insurance and workers comp for roofers.

Q- Do roofers need insurance in Minnesota?

Ans:- Having general liability insurance is recommended for all businesses, and it is the first policy a roofing company would typically buy, covering bodily injury and property damage claims.

The second policy you would buy is workers comp insurance.  Even if you don’t have employees, your general contractor may require this.

Q- Do roofers make good money?

Ans:- Residential roofers made an average ​of $22.06 per hour or ​$45,890​ per year. Commercial roofers were slightly higher at $23.34 per hour or $48,540 per year. The highest was working for local government at $31.83 per hour or $66,210 per year. This information came from the Bureau of Labor Statistics (BLS) as of May 2020.