Insurance for Roofing & HVAC Contractors in Washington
Coverage That Keeps Your Business Protected—From the Roofline to the Furnace Room
As a roofing or HVAC contractor, your work involves risk—from working at heights to managing specialized equipment and subcontractors. One accident, injury, or missed permit could put your entire business on the line.
At Strategy Insurance Brokers LLC, we’ve spent decades helping Washington’s roofing and mechanical contractors secure the right coverage for their operations. We understand your challenges, and we’ll help you build a policy that protects your team, your tools, and your bottom line.
Who We Work With
We serve a wide range of residential and light commercial service providers, including:
- Roofing Contractors (shingle, flat, metal, tile)
- HVAC Installers & Maintenance Companies
- Sheet Metal & Ductwork Installers
- Ventilation & Insulation Contractors
- Subcontractors & Small Crews
Coverage Options for Roofing & HVAC Businesses
Each business is different—but here are some of the most important insurance policies for your trade:
General Liability
Protects against injury or property damage claims related to your work—whether on the jobsite or after installation.
Workers Compensation
Required in Washington to protect your crew if they’re injured on the job—especially important for high-risk trades.
Commercial Auto & Tool Coverage
Covers your vans, trucks, and expensive HVAC or roofing tools while in use or in transit.
Inland Marine (Equipment Coverage)
Protects your portable equipment and materials, even when they’re off-site.
Contractor Bonds & Licensing Support
Ensure compliance and improve your chances of winning bids with license, permit, and performance bonds.
Installation Floater Coverage
Optional protection for materials being installed before a project is completed.
Roofing & HVAC Insurance FAQs
What kind of insurance do roofing contractors need in Washington?
Roofing contractors in Washington typically need general liability insurance, workers compensation, and commercial auto coverage at a minimum. Depending on the size and scope of your work, you may also need inland marine (for tools and equipment), contractor bonds, or installation floater coverage.
Is HVAC contractor insurance different from general contractor insurance?
Yes—HVAC contractors often require specialized endorsements that cover the risks of mechanical work, including installation errors or damage during maintenance. While some policies are similar to general contractors, we ensure your coverage includes the right protections for your equipment, systems, and service calls.
Why is insurance for roofers more expensive?
Roofing insurance premiums tend to be higher due to the inherent risks of the job—working at heights, using heavy equipment, and potential for weather-related accidents. However, we compare quotes from multiple carriers to help you find competitive pricing without sacrificing key coverage.
Do I need insurance if I only hire subcontractors?
Even if you hire subcontractors, you’re still responsible for ensuring they’re properly insured—and you may still be held liable for jobsite incidents. We help roofing and HVAC businesses navigate subcontractor agreements, verify certificates of insurance, and structure coverage that protects your business from gaps and unexpected claims.
What’s covered under tools and equipment insurance for HVAC and roofing?
Also known as inland marine insurance, this policy covers portable tools, ladders, compressors, roofing materials, and HVAC equipment—whether it’s stored in your truck, at the shop, or on a job site. It’s essential for contractors who rely on expensive gear to get the job done.
Can I bundle my business insurance policies?
Yes—many roofing and HVAC contractors choose a Business Owners Policy (BOP) that combines general liability and commercial property coverage. We can also bundle workers comp, auto, and tools coverage to streamline your protection and simplify renewals.