Roofing contractor insurance in Florida, one policy package for the whole operation. General liability for the work, commercial auto for crew trucks and material haulers, coverage for ladders, compressors, nailers, and torches, and workers comp for the crew. We shop 80+ carriers and know what Florida contracts demand from roofers.
Brown Insurance Services is a Florida agency in Seminole, licensed in 39 states. Real people answer, and we re-shop your package before every renewal.
Most roofers carry a policy that covers half the business and call it done. The claim that closes a shop is almost never the one the cheap policy covered. For roofers, the real exposure is falls and storm-season workmanship claims in the strictest carrier market in Florida, and the policy package has to match it.
Coverage matters most when:
Falls are the exposure carriers price first. OSHA’s fall protection standards apply on every Florida roof.
Property damage and injuries your work causes, the coverage every contract asks for first and the base of your package.
Crew trucks and material haulers on a business policy, because a personal auto policy can deny a claim the moment the vehicle works for the business.
Ladders, compressors, nailers, and torches, covered on the truck, on the site, and in transit. This is inland marine coverage, and most roofers find out they need it after a theft.
Required in Florida for construction businesses with one or more employees, and for non-construction at four. Exemptions exist but they are narrower than most owners think.
Extra limits over GL and auto when a contract demands $2M or more, cheaper than raising every base limit.
Shop, office, or yard coverage bundled with GL, often the most cost-effective structure for an established operation.
We write roofing coverage across the state, with deep roots in Tampa Bay. Find your city: Seminole, St. Petersburg, Clearwater, Largo, Pinellas Park, Palm Harbor, and more as we build out.
Answers to the questions Florida roofers ask most.
It depends on crew size, payroll, your crew trucks and haulers, the value of your equipment, and the limits your contracts require. A one-person operation costs far less than a five-crew company. Because we shop 80+ carriers, a quick quote beats any online estimate.
Almost always general liability first, usually $1M per occurrence, plus proof of commercial auto and workers comp or a valid exemption. Larger contracts add umbrella limits. We read the contract language and match the certificate to it.
Roofing is construction class, so Florida requires workers comp at one employee. Officer exemptions exist but misusing them is one of the fastest ways to get shut down on a job site. We will tell you straight which side of the line you are on.
No. GL covers damage you cause to others, not your own ladders, compressors, and nailers. Tools and equipment coverage is separate, it is inexpensive, and it is the claim roofers actually file most often.
Yes, and it usually saves money. GL, commercial auto, tools, work comp, and umbrella in one package, one renewal conversation, one agent who knows roofers.
Roofing contractor insurance in Florida built for the work, priced across 80+ carriers, with certificates ready when the job cannot wait. See what the right package costs.
