Roofing Contractors Insurance
Commercial Auto Insurance
for Roofing Contractors
Roofing trucks haul heavy materials — shingles, underlayment, equipment — and often tow trailers. Commercial auto insurance covers your vehicles and drivers for liability and physical damage, including coverage for trailers and equipment hauled to job sites.
Industry-Specific Insight
Why Roofing Contractors Businesses Need Commercial Auto Insurance
Roofing trucks haul heavy materials — shingles, underlayment, equipment — and often tow trailers. Commercial auto insurance covers your vehicles and drivers for liability and physical damage, including coverage for trailers and equipment hauled to job sites.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for roofing contractors operations.
FAQs
Common Questions from Roofing Contractors Businesses
Does commercial auto cover a trailer used to haul roofing equipment?
Trailers need to be listed on your commercial auto policy or covered under a separate trailer schedule. Make sure all trailers are specifically covered.
Are my subcontractors covered if they drive my truck?
Typically no — commercial auto policies cover listed employees and authorized drivers. Subcontractors using your vehicle may not be covered. Always clarify coverage before lending vehicles.
Can't I just use my personal auto policy for a work vehicle?
If a vehicle is primarily used for business, most personal auto policies will deny claims that arise from business use. Even vehicles that are also used personally should be covered under a commercial policy if they're regularly used for work. A licensed agent can help clarify where the line is.
What is hired and non-owned auto liability?
If your employees rent vehicles while traveling for work, or drive their personal cars for business errands, your business could be liable if an accident occurs. Hired and non-owned auto (HNOA) coverage fills that gap.
Complete Coverage
Other Coverages Roofing Contractors Businesses Commonly Need
A complete protection plan for roofing contractors operations typically includes several complementary coverages.
Roofing Contractors · Commercial Auto
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