Roofer Insurance in Florida
Florida requires Workers' Compensation for roofers. See the checklist below for the full breakdown and costs.
Florida requirements
| Coverage | Required? | Minimum | Notes |
|---|---|---|---|
| Workers' Compensation | Required | Statutory | Required once you have W-2 employees; statutory limits apply. |
State regulator: Florida Office of Insurance Regulation
Coverage checklist
| Coverage | Requirement | Annual cost |
|---|---|---|
| Commercial AutoCA | Required | $1,512–$2,808/yr |
| General LiabilityGL | Required | $648–$1,620/yr |
| Workers' CompensationWC | Required | $4,320–$12,960/yr |
| Inland Marine / Tools & EquipmentIM | Recommended | $324–$1,080/yr |
| Business Owner's PolicyBOP | Optional | $756–$1,944/yr |
| Commercial PropertyCP | Optional | $756–$2,700/yr |
| Professional Liability / E&OPL/E&O | Optional | $648–$1,620/yr |
Cost breakdown
- ·Truck size
- ·Equipment
Required for work trucks hauling materials and ladders.
- ·Height of work
- ·Steep-slope vs. flat
- ·Crew size
- ·Revenue
Required by licenses and GCs; fall and property-damage exposure keeps premiums high.
- ·Payroll
- ·Slope/height
- ·Experience mod
Required once you have employees; roofing is among the most expensive WC classes codes due to fall risk.
- ·Tool value
Covers nail guns, air compressors, and ladders.
- ·Office/shop
If you lease an office or yard.
- ·Shop ownership
If you own/lease a yard or shop.
- ·Design work
Rare unless you design roof systems.
Best carriers for roofer
Roofer insurance in Florida — FAQ
Do roofers need insurance?+
Yes. Roofing is one of the highest-risk trades. General liability and workers' comp are required by most licenses and contracts, and premiums reflect the fall and property-damage exposure.
Why is roofing insurance so expensive?+
Roofers have some of the highest workers' comp class codes because of fall injuries. General liability premiums are also elevated because a bad installation can damage an entire home or building.
Is workers' comp required for roofers?+
Yes, in nearly every state once you have employees. Texas is the only state where workers' comp is optional.
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