Roofing insurance: Get your quote in less than 3 minutes

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Why is roofer-friendly insurance essential?

• Working at heights : risk of falls or serious injury.
• Civil liability : damage to a building or third parties.
• Expensive tools and materials : theft or breakage on the construction site.
• Contractual obligations : required by several clients.
• Employees : coverage in the event of accidents in the workplace.

Guarantees to consider for roofing insurance

Roofer insurance comparator: why use it?

• Access to several offers in a few clicks.
• Quick evaluation of prices and guarantees according to your profile.
• Save time, without calls or travel.
• Support from specialized brokers.
• No obligation to purchase, 100% free quote.

Which property and casualty insurer offers products adapted to roofers?

Is insurance mandatory for roofers in Quebec?

Yes, it is often required by clients, especially in civil liability. It is also highly recommended to avoid significant financial losses.

IN BRIEF

Insurance for roofers (contractors)

Roofers are among the riskiest jobs in construction. Insurers require: a valid RBQ license, a CNESST prevention program at height, and its own claims history.

Covers: RC $2-5 M, equipment (scaffolding, lifts), commercial vehicles and warranty for installation defects covering post-installation infiltration for 12-24 months.

How much does roofer insurance cost?

The cost varies depending on your turnover, the type of work done and your claims history. On average, it starts around $1,000 per year.

Can I cover my tools and equipment?

Absolutely. The “goods and equipment” guarantee protects you against theft, breakage or loss on construction sites.

What are the main coverages in roofing insurance insurance?

A typical roofing insurance insurance policy in Quebec includes: general civil liability (damage to third parties), commercial property (building, equipment, stock), equipment breakdown, business interruption (income loss after a claim), and depending on the sector, professional liability or cyber-risks. Exact coverage varies by insurer and profile — your partner broker tailors the policy to your operations.

What exclusions should I check before signing?

The most common exclusions in business insurance: intentional acts, normal wear and tear, claims occurring before the policy period, certain catastrophic risks (flood, earthquake — often optional), mobile equipment off-site, and undeclared activities. Always read the exclusion clauses and declare all your operations to avoid claim denial.

Can I bundle my roofing insurance insurance with auto or home?

Yes. Most of our AMF-certified partner brokerage firms offer multi-product bundling. Combining business insurance with auto or home can generate a discount of 10 to 15% on total premiums, plus simplified management (one point of contact, one renewal date). At Assur360, the quote systematically evaluates the bundled option.

How does professional liability (E&O) insurance work?

Professional liability (E&O) covers errors, omissions or negligence committed in the course of your profession, plus legal defence costs. It differs from general liability (which covers bodily or property damage to third parties). Depending on your sector, E&O can be strongly recommended or required by contract (e.g. by clients or professional associations).

How long does a roofing insurance quote via Assur360 take?

The online form takes 3 minutes to fill out. You’ll then receive a call or email from an AMF-certified partner brokerage firm (member of the Chamber of Insurance) within 24 to 48 business hours with a personalized quote for your business. The quote is free and no obligation — you’re free to accept, decline, or negotiate.

Request your quick and free quote