With a market size of $1 billion, Utah’s roofing contractors industry continues to grow. At the same time, with opportunity comes risk. Roofing is one of the most dangerous construction trades, accounting for 26% of all fall-related fatalities in 2023, according to the Bureau of Labor Statistics. To thrive in this environment, roofing contractors must prioritize tailored insurance for a roofing company in UT that safeguards workers, equipment, and business assets.
5 Best Practices for Securing the Right Roofers Insurance
Protecting a roofing business in Utah requires more than just meeting licensing requirements. With high rates of workplace injuries and significant financial exposures, the right insurance strategy is critical. These five best practices can help roofing contractors identify coverage that not only keeps them compliant but also safeguards their employees, equipment, and long-term success.
1. Select a Specialized Roofing Insurance Provider
- Industry expertise: Work with a broker who understands roofing risks such as falls, property damage, and storm-related claims.
- Claims process: Choose an insurer known for efficiency in handling claims to keep projects on track.
- Risk management: Look for a partner that also provides resources to improve jobsite safety and minimize losses.
- Premium audits: Inquire whether a provider offers regular audits to help verify you’re not overpaying or leaving gaps that expose you to risks.
2. Secure Essential Coverage Types
- General liability insurance: Covers third-party property damage and bodily injury claims
- Commercial auto insurance: Protects company vehicles and drivers while transporting crews and materials
- Workers’ compensation insurance: Required in Utah, it provides benefits to employees injured on the job
- Employment practices liability insurance (EPLI): Shields against claims related to harassment, wrongful termination, or discrimination
- Equipment floater insurance: Covers tools, materials, and machinery against theft or accidental damage
- Professional liability insurance (E&O): Provides protection for errors in workmanship that lead to financial losses
- Commercial umbrella insurance: Extends liability protection when claims exceed standard policy limits
3. Consider a Business Owners Policy (BOP)
- Bundles general liability, property, and business interruption coverage into one cost-effective policy
- A flexible option that provides a solid foundation for roofing contractors of all sizes
4. Implement Safety and Record-Keeping Practices
- Safety training: Reduce accident risks through fall prevention programs and consistent employee education.
- Strong records: Keep jobsite reports, equipment maintenance logs, and training documentation. Demonstrating safety compliance can improve claim outcomes and may even lower premiums.
5. Ensure High Coverage Limits
- Roofing involves significant liability due to the risks of working at heights, handling heavy equipment, and operating in unpredictable conditions.
- Higher coverage limits protect against lawsuits, catastrophic accidents, and severe property damage.
- Solo contractors and small teams need the same high protections as larger firms to ensure business continuity.
Safeguard Your Roofing Business for the Future
The roofing trade in Utah offers abundant opportunities but also carries some of the industry’s highest risks. With roofers insurance from BTC Insurance, contractors can align their coverage with both compliance requirements and real-world exposures.
Get a quote today to secure the protection your roofing business needs.
FAQ About Roofers Insurance
What is the best insurance for a roofing contractor?
A mix of general liability, workers’ compensation, and equipment coverage forms the foundation, with umbrella liability and EPLI offering added protection.
Do roofers need to be licensed and insured?
Yes. Utah requires roofers to be licensed through its Department of Professional Licensing, and proof of insurance is part of maintaining compliance.
How much is insurance for a roofing company?
Premiums vary by company size, project scope, claims history, and coverage limits. Get a customized quote for the most accurate estimate.
What risks do roofing contractors face?
Common exposures include fall injuries, property damage, equipment theft, and liability for faulty workmanship.
About BTC Insurance Services
Founded in 2011, BTC Insurance Services has proudly served Utah businesses with comprehensive and custom-tailored insurance coverages for a decade. We pride ourselves on fostering long-term client relationships with a personalized and hands-on approach, and have established a reputation built on quality and transparency. For more information about our products and services, we invite you to contact one of our reputable agents today at (855) 944-3457, or send us a message here.