Contractors & Trades · Minnesota
Minnesota Roofing Contractor Insurance
Minnesota roofers face ice dams, heavy snowloads, and spring hail that make every season a liability risk. As a MN-licensed independent broker, I work with roofing contractors across the Twin Cities and greater Minnesota to build GL, commercial auto, and workers' comp programs that satisfy GC certificate requirements.
What roofing contractor insurance covers
Roofing is one of the highest-liability contractor trades in Minnesota. A complete program combines several coverages into a package that satisfies GC certificate requirements and protects you on every job.
General Liability
Covers property damage to a customer's roof, structure, or contents during your work, plus bodily injury claims from third parties. Most GCs and property owners require proof of GL before work begins.
Workers' Compensation
Covers medical bills and lost wages for employees injured on the job. Required by law in Minnesota for any business with employees — and roofing carries one of the highest injury rates of any trade.
Commercial Auto
Covers trucks, trailers, and work vehicles transporting crew, materials, and equipment to job sites. Required for any vehicle used in business operations.
Tools & Equipment
Covers ladders, nail guns, air compressors, and specialty roofing tools against theft, damage, or loss — at the job site, in transit, or in overnight storage.
Completed Operations
Extends GL coverage to claims that arise after a roofing job is finished — such as a leak that develops weeks later and damages interior contents. A critical coverage for roofers.
Commercial Umbrella
Adds an extra liability layer over your GL and commercial auto — providing additional protection for large verdicts or catastrophic injury claims that exceed primary policy limits.
Why Dayton Insurance
An independent agent who works for you
Unlike captive agents who represent one company, I shop multiple carriers to find the right coverage at the right price for your Minnesota business.
Truly independent
I represent multiple top-rated carriers — not just one company. That means you get options, not a single take-it-or-leave-it quote.
Claims advocacy
When you file a claim, you have someone in your corner. I'll walk you through the process and follow up with the carrier so you don't have to fight it alone.
One agent, start to finish
From the first quote to renewal, you work with Nate directly. No call centers, no handoffs, no surprises at renewal.
Get your quote
Ready to get covered in Minnesota?
As an independent broker, I shop multiple carriers to find the right fit for your Minnesota business. Most commercial quotes come back within 2–3 business days.
Request a Free Quote
No forms, no fees — just a straightforward conversation about your coverage needs.
Common Questions
Frequently asked questions
How much does roofing contractor insurance cost in Minnesota?
Roofing insurance varies based on your annual revenue, employee count, and claims history. Most Minnesota roofing contractors pay $3,000–$12,000 annually for a complete GL and workers' comp program. As an independent broker I compare multiple carriers to find the most competitive rate for your business.
What GL limit do most GCs require in Minnesota?
Most general contractors and commercial property owners in Minnesota require a minimum of $1,000,000 per occurrence / $2,000,000 aggregate. Some commercial projects require higher limits — I can help you match whatever certificate requirements a project demands.
Do I need workers' comp if I use subcontractors?
In most cases in Minnesota, if you hire subcontractors who don't carry their own workers' comp, you can be held responsible for injuries they sustain on your jobs. I'll help you understand the specific rules for your setup.
Can I get covered with prior claims?
Yes. As an independent broker I have access to carriers that specialize in roofing contractors with prior losses. I'll find the best available option regardless of your claims history.