Roofing is one of the highest-risk trades in Canada. Working at heights, handling heavy materials, and exposure to weather mean roofing contractors face serious liability and financial risks every day. Proper insurance isn’t optional—it’s critical.

Key Risks Roofing Contractors Face

Roofing work commonly involves:

• Falls from heights and serious injuries
• Property damage from leaks or improper installation
• Wind, weather, and fire exposure
• Damage to neighbouring buildings
• Theft of tools and materials

Even a small mistake can lead to costly claims or lawsuits.

Essential Insurance Coverages

• Commercial General Liability (CGL) – Covers bodily injury and property damage
• Errors & Omissions / Contractors Professional Liability – Protects against faulty workmanship claims
• Contractor’s Equipment Insurance – Covers tools, ladders, and machinery
• Commercial Auto Insurance – For trucks and service vehicles
• Builder’s Risk – Required when working on larger projects
• WSIB / Workers’ Compensation – Mandatory for employee protection

Risk Management Tips

• Follow strict fall-protection and safety protocols
• Document inspections, repairs, and warranties
• Verify subcontractor insurance
• Use written contracts with clear scopes of work

Final Thought

Roofing contractors operate where risk is highest. With the right Canadian insurance program, you protect your crew, your clients, and the business you’ve worked hard to build. 🇨🇦

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.