Roofing is one of the highest-risk trades, falls, weather damage, equipment theft, and lawsuits can hit hard and fast. That’s why roofers insurance (a bundle of policies like general liability, workers’ compensation, and inland marine) is essential. But premiums add up quickly, especially with rising claims from storms and inflation in 2026.
The smartest way many roofing contractors cut costs without cutting coverage? Bundling roofers insurance policies with one carrier. Bundling often unlocks multi-policy discounts of 10–25% (sometimes more), simplifies management, and ensures seamless protection across your business needs.
Here’s a practical guide to bundling roofers liability insurance and other key coverages—plus real savings examples and tips to maximize your discounts.
Why Bundling Roofers Insurance Makes Sense in 2026
Roofers face unique exposures: high falls, heavy tools on roofs, property damage from installs/teardowns, and workers’ comp claims from injuries. Standalone policies can be expensive and leave gaps. Bundling solves this by:
- Discounts: Carriers reward multi-policy customers—average savings 10–25% on total premiums (some report up to 20–40% with strong risk management).
- Simpler Claims: One insurer handles everything, reducing paperwork and delays.
- Better Coverage Fit: Tailored bundles (e.g., Business Owner’s Policy + workers’ comp) cover roofing-specific risks like tools in transit or job-site damage.
- Compliance Edge: Easier to meet client/contractor requirements (e.g., certificates showing bundled limits).
Common bundled packages for roofers include:
- General Liability (core for third-party claims)
- Workers’ Compensation (mandatory for crews)
- Inland Marine (tools/equipment)
- Commercial Auto (service vehicles)
- Optional: Pollution (for tar/asphalt), Umbrella (extra limits)
Typical Bundled Roofers Insurance Costs & Savings (2026 Estimates)
Costs vary by crew size, location, claims history, and limits, but here’s a realistic breakdown:
- Solo/Owner-Operator (Residential, low revenue):
Bundled GL + Inland Marine + Basic Workers’ Comp: $2,000–$8,000/year
Savings from bundling: 10–20% (~$200–$1,600/year)
- Small Crew (2–5 workers):
GL + Workers’ Comp + Inland Marine + Commercial Auto: $10,000–$35,000/year
Savings from bundling: 15–25% (~$1,500–$8,750/year)
- Mid-Size Operation (Commercial work):
Full bundle (including BOP or enhanced GL + workers’ comp): $25,000–$80,000+/year
Savings from bundling: 15–30% (~$3,750–$24,000+/year)
Note: A recommended bundle (BOP + workers’ comp + professional liability add-on) averages ~$18,000/year for many roofers, with bundling discounts offsetting inflation pressures.
What to Bundle for Maximum Roofers Liability Insurance Savings
- General Liability + Workers’ Compensation — The foundation. GL covers client/property damage; workers’ comp covers injuries. Bundling often yields the biggest discount since these are mandatory/high-cost.
- Inland Marine (Tools & Equipment) — Roofers carry expensive ladders, nail guns, and torches. Average standalone cost ~$350/year—bundling drops it further.
- Commercial Auto — For trucks/vans hauling materials. Bundling with liability saves 10–20%.
- Business Owner’s Policy (BOP) — Combines GL + property; great for small roofers with an office/shop.
- Umbrella/Excess Liability — Adds $1M+ limits affordably when bundled.
Pro tip: Avoid “bare minimum” bundles, ensure limits match job contracts (e.g., $1M/$2M GL common for roofing).
Steps to Bundle Roofers Insurance & Lock in Savings
- Assess Your Needs — List risks (residential vs. commercial, steep vs. flat roofs, subs used).
- Get Multiple Quotes — Work with carriers specializing in high-risk trades for accurate roofing rates.
- Ask for Multi-Policy Discounts — Mention bundling early—many carriers offer it automatically.
- Improve Risk Profile — Safety training, clean claims history, and certifications (e.g., OSHA 10/30) amplify discounts.
- Review Annually — As your business grows or claims drop, renegotiate bundles.
- Add Endorsements Wisely — Pollution or equipment breakdown when needed—bundling keeps add-on costs low.
Many roofers save thousands by switching to a bundled provider tailored to the trade.
Ready to Bundle & Save on Your Roofers Insurance?
Bundling isn’t just about discounts—it’s about smarter, more comprehensive protection for your roofing business. Explore specialized resources and get tailored bundling advice at Contractors Liability—they focus on roofers and high-risk contractors.
Get a free quote Roofers Insurance Quote comparison.
Protect your crew, tools, and bottom line—one smart bundle at a time.