ROOFING
COMMERCIAL AUTO
INSURANCE
Your trucks are on the road every day — loaded with materials, equipment, and ladders. A single accident without the right commercial auto policy can cost you six figures out of pocket.
ROOFING VEHICLES ARE HIGH-EXPOSURE
A roofing contractor's vehicles are not ordinary work trucks. They are loaded with heavy materials, pulling trailers, operating with ladder racks that affect handling, and driven by workers who are often moving between multiple job sites in a day. Every mile your fleet drives is exposure.
Commercial auto insurance covers the vehicle itself plus the liability you face if your vehicle causes an accident. This includes bodily injury to others, property damage to others' vehicles or structures, and medical payments for occupants of your vehicle.
The critical thing roofers miss: personal auto insurance does not cover business use. If your personal truck is rear-ended a material supplier and the carrier discovers it was being used for your roofing business, they can deny the claim entirely. Do not assume your personal policy covers your work truck.
COVERAGE COMPONENTS
ROOFING VEHICLE TYPES WE COVER
COMMERCIAL AUTO FAQ
WHY DOES MY PERSONAL AUTO INSURANCE NOT COVER MY WORK TRUCK?
Personal auto policies typically exclude vehicles used primarily for business purposes. When you use your truck to haul materials, transport crew, or drive to job sites as part of your roofing business, you need a commercial auto policy. A personal auto claim during business use can be denied entirely.
WHAT IS HIRED AND NON-OWNED AUTO COVERAGE?
Hired auto covers vehicles you rent for business use. Non-owned auto covers vehicles owned by employees when used for your business — like when an employee drives their personal truck to pick up materials on your behalf. Both are important gaps if you do not have a fleet policy.
DOES COMMERCIAL AUTO COVER THE LADDER RACK AND EQUIPMENT IN THE TRUCK?
Standard commercial auto covers the vehicle itself. The ladder rack as installed equipment is typically covered. However, loose tools and equipment in the truck bed are not — those require a tools and equipment policy. Know the difference.
HOW MUCH COMMERCIAL AUTO LIABILITY DO I NEED?
Most GC contracts and commercial property owners require $1M combined single limit (CSL) for liability. If you are hauling materials on public roads, your state requires at minimum the statutory limits — though those are often dangerously low. We recommend $1M CSL as a floor.
WHAT ABOUT MY TRAILER WITH ROOFING EQUIPMENT?
Trailers must be listed separately on your commercial auto policy. Many roofers use utility trailers for compressors, staging equipment, and materials. Make sure each trailer is scheduled and that the policy extends to trailer liability when attached to the vehicle.
CAN I GET FLEET RATES FOR MULTIPLE VEHICLES?
Yes. Fleet pricing typically kicks in at three or more vehicles. Fleet policies can simplify your coverage by listing all vehicles under one policy with a single renewal date, and often come with better rates per unit than individual vehicle policies.
COVER YOUR FLEET TODAY
One truck accident without commercial auto can cost more than your entire year of premiums. Get covered now.