General liability for roofers
Published 2026-06-11 · by Brokly
If someone's hurt or their property's damaged by your work — including water getting in through a roof you finished after the crew has left.
What it covers for roofing contractors
Protects the business against claims of bodily injury, property damage, and personal injury. Its products/completed-operations section pays for damage that occurs away from your premises and is caused by your completed work — the defining roofer exposure, since a roof failure lets water into the customer's building long after the job closes. Oklahoma, for example, conditions its statewide roofing-contractor registration on this policy ($500,000 for residential work, $1,000,000 for commercial). A roofer's biggest exposure survives the job: a roof that leaks soaks the building below it months after the crew leaves.
Sources: Texas Department of Insurance — Commercial general liability insurance (retrieved 2026-06-11) · Oklahoma Roofing Contractor Registration Act, 59 O.S. § 1151.5 — Construction Industries Board official compilation (as of § 1151.5 last amended eff. 2015-08-21 (compilation as fetched), retrieved 2026-06-11)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for general liability, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the general liability benchmark for roofing contractors — same URL, real numbers.
Until then, see what roofing contractors need state by state: Alabama · Arizona · California · Colorado · Florida · Georgia · Idaho · Illinois · all states →
Stay informed
Coverage rules change.
We’ll send the updates that affect your business.