Roofing insurance cost
Pick a coverage to see the published figure, type a quote to compare, and tick coverages to add up a yearly budget.
How to use the roofing insurance cost tool
- Choose the coverage row you want from the published table. The rows are general liability, business owner’s policy (BOP), workers’ compensation, contractor’s tools and equipment, commercial auto, professional liability, commercial umbrella and surety bonds.
- Read the published figure shown per month and per year for that row.
- Check the limits shown beside the figure. The tool shows them only where the source states them.
- If you have a quote, type it in and choose “per month” or “per year” to match how the quote is written.
- Read how far the quote sits above or below the published figure. If it is far from the figure, the tool suggests checking the period and the limits the quote includes.
- Open “More options” if you want to add your business details.
- Enter annual revenue and the number of employees.
- Choose which coverages to add to the budget, then read the share of revenue and the amount per employee.
- Read the tables under the result. They list every row with its monthly and yearly figure, plus the notes the source publishes.
If you tick more than one coverage, the tool warns that a sum of separate published medians is a rough budget, because one insurer pricing a bundle can differ. Your entries stay in your browser. Nothing is uploaded, so the revenue and employee numbers you type are not sent anywhere.
What does the roofing insurance cost figure show?
The figure is a published median or range taken from Insureon’s roofing contractor insurance cost page. It describes what the source reports for a coverage, not what a specific business will pay. Each row shows a per month and a per year amount, and some rows also show limits, such as the $1M per occurrence and $2M aggregate listed for general liability.
Why does the page call its figures both medians and averages?
The source uses both words. The page says its figures are medians in one place and averages in another, and this tool reports them as published medians from Insureon, not as averages. A median is the middle value in a set of numbers, while an average is the total divided by the count, so the two can differ. Reading the figure as a median keeps it tied to what the source says.
How is a quote compared with the published figure?
The tool turns your quote into a yearly amount, compares it with the published yearly figure and shows the difference as a percentage above or below. Matching the period matters, so choose “per month” or “per year” to match how your quote is written. Quotes differ for many reasons, and the tool does not explain those reasons for your case.
Why isn’t a total of separate coverages a bundle price?
Adding separate figures gives a sum, not the price of a bundle. The page says this directly. Insureon’s roofing cost page does state that general liability bundled with professional liability costs an average of $150 a month, which is a separate published figure and not the total of the two rows. A bundle is priced by the insurer, so the tool does not add rows together as if they were one policy.
Which businesses are in the source data?
The source covers construction contractors and roofers. Insureon states that most of its customers have fewer than five employees, annual revenue from about $50,000 to more than $200,000, and five years or less in business. If your business is larger, older or has a different mix of work, the published figures may describe it less closely. Use the revenue and employee fields to see the share and per employee amounts, and read those results with this limit in mind.
Sources (checked 15 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| General liability | 2 coverage(s) added up from the published medians: $492 a month, $5,909 a year |
| General liability, quote $400 per month | Your quote of $400 a month ($4,800 a year) is 26.1% above the published median of $317 a month. |
| Business owner's policy (BOP), revenue $120,000 | 2 coverage(s) added up from the published medians: $492 a month, $5,909 a year |
| General liability, revenue $150,000 | 2 coverage(s) added up from the published medians: $442 a month, $5,311 a year |
Calculated by the tool above; open it with the same values to see each step.
Frequently asked questions
Is the roofing insurance cost on this page a quote?
No. Every figure is a published median or range from Insureon, and the tool gives no quote. A quote comes from a licensed insurer or agent, so use the tool to compare your own quote against the published figure.
Where do the figures come from?
They come from Insureon’s roofing contractor insurance cost page, which was updated 10 August 2026. The page covers construction contractors and roofers, and the tool adds no estimate of its own.
Does the tool need my contact details?
No. The tool does not ask for contact details, sell leads or refer you to an insurer. Everything is calculated in your browser.
What does the general liability figure show?
The published figure is $317 per month, or $3,808 per year, with $1M per occurrence and $2M aggregate limits and a $1,000 deductible. These are the source’s published numbers, not a recommendation of those limits.
Why can my quote differ from the published figure?
A published median describes what the source reports, while your quote reflects your own business and the insurer’s pricing. The tool shows the gap but does not explain its causes for your situation.
Does the tool tell me which coverage amount to buy?
No. The tool only shows published figures and compares them with a quote you enter. It does not recommend coverage amounts, limits or products.
Is anything I type uploaded?
No. The tool runs in your browser and does not upload your entries.
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