Commercial Auto Insurance for Residential Roofing Contractors
Commercial auto insurance covers the trucks, trailers, and vehicles your residential roofing company uses to haul materials and crews to job sites. Personal auto policies exclude vehicles used for business purposes, so any truck pulling a dump trailer or hauling shingle bundles needs a commercial policy.
What It Covers
Commercial auto covers liability for bodily injury and property damage you cause in an accident, collision damage to your own vehicles, comprehensive losses like theft or hail damage, and medical payments for occupants. It extends to attached trailers, dump trailers hauling tear-off debris, and hired or non-owned vehicles your employees drive for work purposes.
What It Does Not Cover
Commercial auto does not cover tools or equipment stored inside the vehicle (that requires inland marine coverage). It excludes damage to materials being transported, wear and tear, mechanical breakdowns, and accidents that occur while using the vehicle for personal purposes outside policy terms. Vehicles not listed on the policy are not covered.
Real Claim Examples
A roofing crew truck rear-ends a minivan at a stoplight while hauling a loaded shingle trailer, causing $45,000 in injuries and vehicle damage. A dump trailer detaches on the highway and strikes another vehicle. An employee backs a company truck into a homeowner's garage door while positioning for a material delivery.
How Much It Costs
Residential roofing contractors pay between $2,500 and $5,500 per vehicle annually for commercial auto coverage. Fleets of five or more vehicles often qualify for fleet discounts. Factors affecting premiums include driver age and MVR history, vehicle weight class, radius of operations, and whether you haul materials on open trailers.
Why Work With Us for This Coverage
Roofing fleets face unique underwriting challenges including heavy trailer towing, frequent short-haul routes through residential neighborhoods, and seasonal hiring of drivers. We work with carriers experienced in contractor fleets who offer stable renewals rather than non-renewing you after a single at-fault claim.
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Looking for the commercial version?
View commercial coverage page