Roofers Insurance in Ontario

Covers third-party bodily injury and property damage. Required by general contractors and property owners before you can start work. Minimum $2M recommended for roofing; $5M for commercial projects.

Workplace Safety and Insurance Board coverage is mandatory for roofers in Ontario. Premium rates vary based on your claims history and experience. GCs will require a valid clearance certificate before you step on site.

Roofing is classified as high-risk due to fall hazards. Your CGL must explicitly cover working at heights. Some policies exclude heights over 3 storeys - verify your limits.

Covers nail guns, compressors, scaffolding, ladders, and specialty roofing equipment. Your auto policy does NOT cover tools stolen from your vehicle - this requires separate coverage.

Covers work trucks, trailers, and equipment haulers. Personal auto policies exclude business use. Include coverage for materials being transported.

Covers claims that arise after a job is finished - like a leak discovered months later. Critical for roofers since issues often appear after the first heavy rain or winter.

Required for hot roofing applications using tar, asphalt, or torch-applied membranes. Covers fume-related claims and accidental spills.

Single-family homes, townhouses, and small multi-unit buildings. Typically shingle or metal roofing. Lower liability limits may be acceptable.

Office buildings, retail plazas, warehouses, and industrial facilities. Often requires flat roof expertise (BUR, TPO, EPDM).