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Roofing Insurance
Roofing is one of the highest-risk trades in construction. One fall, one leak, or one storm damage claim can devastate your business. Roofing insurance covers your liability, protects your tools and equipment, and gives you the certificates you need to win jobs in Mississauga, Ontario, and across Canada.
$5M+
Liability Limits
24/7
Claims Support
$100K+
Tools Coverage
15+
Years Experience
Roofing Contractor Coverage
What is Roofing Insurance?
Roofing insurance is a specialized commercial insurance package designed for roofing contractors, protecting against liability claims, tool theft, falls, and job site risks common in the roofing trade.
Why Roofers in Ontario Need Insurance
Roofing is statistically one of the most dangerous construction trades. Work at heights, heavy materials, and exposure to weather create significant liability exposure. A single accident, water damage claim, or property damage incident can cost hundreds of thousands of dollars. In Mississauga and across Ontario, most general contractors and property managers require roofers to carry minimum $2 million CGL coverage before stepping on site.
Beyond contract requirements, roofing insurance provides essential protection for:
- Third-party injury claims from falls or falling debris
- Property damage to client homes, businesses, or adjacent properties
- Water damage claims from incomplete or faulty roofing work
- Tool and equipment theft from vehicles or job sites
- Legal defense costs for lawsuits and liability claims
- Completed operations claims arising after job completion
High-Risk Trade Classification
Roofing is classified as a high-risk trade by insurers due to work at heights and weather exposure. This means proper coverage is essential and finding the right insurer who understands roofing risks can significantly impact your premiums. Boardwalk Insurance works with carriers who specialize in contractor coverage.
Complete Coverage
What Does Roofing Insurance Cover?
Protection built for roofing contractors, covering liability claims, tool theft, and everything in between. Boardwalk structures coverage around your scope, revenue, and job types.
Built For Roofers
Who Needs Roofing Insurance in Ontario?
Whether you're a solo roofer or run a crew, insurance protects your business and helps you win contracts.
Independent Roofers
Self-employed roofers doing residential repairs, re-roofing, and small commercial jobs in Mississauga and surrounding areas.
Roofing Companies
Established firms with employees handling commercial, industrial, and large residential roofing projects across Ontario.
Residential Roofers
Roofers specializing in home roofing, shingle replacement, repairs, and new construction residential projects.
Commercial & Industrial Roofers
Roofers working on office buildings, warehouses, factories, and industrial facilities with higher liability requirements.
Flat Roof Specialists
Contractors specializing in flat roofing systems, membrane roofing, TPO, EPDM, and built-up roofing applications.
Roofing Subcontractors
Roofers working as subcontractors on construction projects who need certificates of insurance for general contractors.
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Know Your Risks
Common Roofing Insurance Claims
Roofing work creates significant liability exposure. These are the claim scenarios roofers deal with most often.
Fall & Height Injuries
Work at heights creates significant risk. Third-party injuries from falls or falling materials can lead to major liability claims.
Example: A ladder tips and falls onto a homeowner's vehicle, causing $8,000 in damage. CGL covers the repair costs.
Water Damage Claims
Leaks from incomplete or faulty roofing work can cause significant interior damage to homes and businesses.
Example: A roof left uncovered overnight during repairs allows rain to damage the client's ceilings, walls, and furniture $45,000 claim.
Property Damage During Work
Accidental damage to landscaping, siding, windows, or adjacent properties during roofing work.
Example: Roofing debris falls and damages a neighbor's pool cover and deck furniture, resulting in a $12,000 claim.
Tool & Equipment Theft
Roofers carry expensive tools, nail guns, and equipment that are frequent targets for theft from vehicles and job sites.
Example: Your trailer is broken into overnight and $25,000 worth of roofing equipment, compressors, and nail guns is stolen.
Completed Operations Claims
Claims that arise after you've finished the job roofing issues may not manifest until months or years later.
Example: A roof you installed develops leaks 8 months later during heavy rain, causing interior damage and a $60,000 claim.
Fire & Hot Work Claims
Torch-applied roofing and hot tar operations create fire risks that can result in major property damage claims.
Example: A torch-down roofing application causes a fire in a commercial building's HVAC system $200,000+ claim.
Simple Process
How to Get Roofing Insurance
Get covered in three simple steps. We'll match you with the right coverage for your roofing business.
1
Request a Quote
Tell us about your roofing business—your trade scope, annual revenue, number of employees, and types of jobs you take on.
2
Compare Options
We shop multiple Canadian insurers to find competitive rates and coverage that meets your contract requirements.
3
Get Your Certificate
Purchase coverage and receive your certificate of insurance quickly often same-day so you can get on job sites fast.
Get Answers
Roofing Insurance FAQs
Common questions about roofing insurance coverage in Ontario answered.
Roofing insurance premiums in Ontario typically range from $2,500 to $8,000+ per year depending on your revenue, types of roofing work (residential vs. commercial), number of employees, and coverage limits. Roofing is classified as a high-risk trade, so premiums are generally higher than other contractor trades. Factors like claims history, years in business, and safety programs also affect pricing. Contact us for a personalized quote based on your specific situation.
Roofing contractors in Canada typically need: Commercial General Liability (CGL) for third-party injury and property damage claims (most contracts require minimum $2 million, many require $5 million), Tools & Equipment coverage for theft and damage, and Commercial Auto insurance if using work vehicles. Depending on your scope, you may also need Umbrella coverage for larger contracts, equipment breakdown coverage, and Professional Liability if you provide consulting services.
While roofing insurance may not be legally mandated in Ontario, it's effectively required to operate professionally. Most general contractors, property managers, construction sites, and commercial clients require proof of insurance (typically $2M-$5M CGL minimum) before allowing roofers to work. Without insurance, you'll lose contracts and face significant financial risk from potential claims.
Yes, Commercial General Liability insurance for roofers typically covers water damage claims resulting from your work, including leaks from incomplete roofing, faulty installations, or improper sealing. This coverage extends to completed operations, meaning you're protected even after you leave the job site if a leak occurs later due to your work. This is crucial coverage given the significant water damage risks in roofing work.
At Boardwalk Insurance, we can often issue certificates of insurance the same day or next business day once your policy is bound. This helps roofing contractors meet tight job site deadlines and general contractor requirements quickly. If you need a certificate naming a specific additional insured, let us know and we'll coordinate with the insurer to get it issued as fast as possible.
Completed operations coverage protects roofers against claims that arise after you've finished a job and left the site. For roofing work, this is especially important because issues like leaks, improper flashing, or material defects may not cause problems until months or years later. This coverage is typically included in your CGL policy and protects you from claims that occur after project completion.
Yes, commercial roofing contracts typically require higher liability limits than residential work. While residential jobs often require $2M CGL, commercial and industrial roofing contracts frequently require $5M or more in liability coverage. High-rise work, municipal contracts, and government projects may have even higher requirements. Umbrella policies can provide cost-effective additional limits above your primary CGL.
It depends on your policy. Generally, your CGL may provide some protection if a subcontractor's work results in a claim, but the subcontractor should carry their own insurance. Best practice is to require certificates of insurance from all subcontractors before they start work, and verify their coverage meets your contract requirements. We can help you understand your policy's subcontractor provisions.
Get Roofing Insurance That Wins Jobs
Fast quotes, compliant certificates, and coverage designed for roofing contractors in Mississauga and across Canada. Across Canada
Why Boardwalk Insurance
Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Mississauga businesses
Quick Quote Turnaround
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Claims Support & Advocacy
We advocate for you throughout the entire insurance claims process — your success is our priority
