Minnesota Roofing Insurance
Searching for affordable roofing insurance in Minnesota is not easy. Most insurance companies don’t want to deal with roofing insurance because of the high risk involved.
The good news is that our Minnesota-based insurance agency has become the number-one choice for roofer’s general liability insurance.
Please provide your information once and let us shop for you. Make us the first and last call for your Minnesota roofing contractor’s insurance. Complete our short online form or call us at 952-222-8073.
What types of insurance do roofers’ contractors carry in Minnesota?
General Liability Insurance
General liability insurance is the first policy a roofing business would buy. It protects against bodily injury and/or property damage claims because of your roofing work.
Typical protection limits are $1,000 per occurrence and $2,000,00 aggregate (per policy term/year).
Worker’s Compensation Insurance
In Minnesota, as in many other states, worker’s compensation insurance is required by law if you have employees.
Workers comp insurance provides coverage for medical & lost wages for employees injured or sick on the job.
Many contractors say I don’t need workers’ compensation because I don’t have employees. That is a true statement, but it depends on who is asking.
A general contractor can require it before taking a job or being paid. A worker’s comp policy with no payroll is called a ghost or waiver policy. It provides coverage for the owner only if coverage is elected.
Commercial Auto Insurance
Roofing contractors typically use vehicles to transport workers, equipment, and materials to and from job sites.
Commercial auto insurance covers these autos, vans, or trucks in case of accidents, theft, or damage.
The typical coverage limits are $300,000, $500,000, or $1,000,000. Physical damage coverage (comprehensive and collision) is optional.
Having the right insurance agent makes all the difference. One that works with roofing insurance contractors every day. That’s us! Call now 952-222-8073
How much does roofing liability cost in Minnesota?
The cost of roofing coverage varies depending on your business size, experience, years in business, and claim history.
Minnesota Roofing Contractors insurance starts at about $3,000 annually for one owner with $150,000 in gross sales.
Please do yourself a huge favor and complete our simple quote form or call 952-222-8073. We are standing by to help you find the best roofer’s general liability insurance in town.
You will notice that we differ from the average agency when you call and talk to us. Complete our online form or make the call now. 952-222-8073.
Frequently Asked Questions (FAQs)
Q. Cheapest roofing insurance Minnesota.
A. We help roofing contractors find cheap insurance. While we prefer the word low-cost, we find the best insurance for your roofing business in Minnesota.
Q. Do roofers need insurance in Minnesota for a roofer license?
A. Yes, you need a general liability insurance policy with limits of at least $300,000, of which $10,000 would be for property damage coverage. A $15,000 surety bond is also required. We can help you with both and get licensed.
Q. How much does are cost to get a roofer’s license in Minnesota?
A. The initial application fee/renewal fee is currently $180. Don’t be late if renewing, there is a $90.00 late fee.
Q. Does residential roofing coverage cost more than commercial roofing insurance?
A. Commercial roofing is generally less expensive, and more insurance companies are willing to do it.
