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General liability for roofers
Published 2026-06-11 · by Brokly
Third-party injury and property damage — including water intrusion your completed roof causes 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 →
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