Roofing Insurance Virginia

Independent insurance agency

Roofing Insurance in Virginia

Discover hassle-free access to affordable, high-quality roofing insurance with Jenkins Insurance & Financial Services, Inc.

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Roofing is a rewarding yet high-risk profession, and for roofing contractors in Virginia, having the right insurance coverage can make all the difference. At Jenkins Insurance & Financial Services, we work with roofers to help them find insurance solutions that suit their unique needs. Whether you’re an independent contractor or running a full roofing company, we’re here to help guide you through your options.

What is Roofing Insurance?

Roofing insurance refers to a collection of coverages that are commonly selected by professionals in the roofing industry. These may include general liability, workers’ compensation, commercial auto, and inland marine coverage, among others. Since roofing is considered a higher-risk trade, insurance companies may underwrite policies differently than for other types of contractors. That’s why it’s important to work with an agency that understands the landscape for roofers in Virginia.

Client Reviews

The work I did with Jenkins Insurance covered multiple policies, for vehicles and residence, covering several autos and drivers, and was complex and multi-faceted. Tammy worked with me to make sure everything was in order and on time (even with changing deadlines).

Charles G, Google Review

Whenever we need to update our policy because of buying a new car or some other change Mackenzie has been efficient and even sent me copies of the new policy because it wasn’t convenient for me to get them online. Tammy checked our policies (home, auto, and umbrella) and applied a discount so we are paying less per month. Very good agency.

Ann S, Google Review

You have always been there to take care of my needs, answering my questions and keeping me “covered”! I thank you for that!!

Carolyn S, Google Review
Roofing Insurance Virginia

Why is Roofing Insurance Important for Businesses in Virginia?

Roofing professionals in Virginia face a number of challenges unique to the region, including seasonal weather risks, wind and hail exposure, and complex building codes. Because of these factors, insurance requirements and premiums may vary across the state. Roofing insurance is a way to help protect your business from potential financial strain related to accidents, property damage, or injuries. Having the appropriate coverage in place can also be important when bidding on commercial or residential jobs, especially when clients require proof of insurance.

If you’re involved in roofing work in Virginia—whether residential, commercial, or industrial—you may want to explore roofers insurance. This includes:

  • Independent roofing contractors
  • Small business owners with a crew
  • Subcontractors hired by general contractors
  • Companies that specialize in roof repair, replacement, or inspection

Even if you only work part-time or on a seasonal basis, carrying appropriate insurance can help protect your reputation and your bottom line.

Roofing insurance isn’t a one-size-fits-all policy. Instead, it’s usually made up of several types of insurance, depending on your business size, operations, and contractual requirements. These may include:

  • General Liability Insurance: Often viewed as a foundation of business insurance, general liability may help cover third-party claims involving property damage or bodily injury. This type of coverage is commonly required by clients or job sites in Virginia.
  • Workers’ Compensation Insurance: If you have employees, Virginia law may require you to carry workers’ compensation insurance. This coverage can help with medical expenses and wage replacement in the event a worker is injured on the job.
  • Commercial Auto Insurance: If you use trucks, vans, or other vehicles for transporting tools, equipment, or personnel, a commercial auto policy can provide protection beyond a personal auto policy.
  • Tools and Equipment Coverage (Inland Marine): Roofers often use expensive and specialized equipment. Inland marine coverage may help protect these tools in case of theft, loss, or damage, even when they’re in transit or on a job site.
  • Umbrella or Excess Liability: For roofers taking on larger contracts, excess liability coverage may provide additional protection above the limits of your base policy.

Premiums for roofers insurance in Virginia vary based on several factors, including:

  • Your company’s size and payroll
  • The scope of services you offer
  • Claims history
  • Coverage limits and deductibles
  • Geographic area or cities where you operate

Because roofing is classified as high-risk, premiums tend to be higher than in other trades. However, working with an experienced agency like Jenkins Insurance & Financial Services can help you explore competitive options.

Yes, in many cases. Roofing contractors in Virginia may be required to carry specific coverages to comply with state regulations or to qualify for certain contracts. For example, the Virginia Workers’ Compensation Act may require coverage if you have more than two employees. Additionally, many project owners or general contractors will ask for certificates of insurance before you begin work.

While insurance requirements can vary by job or location, having the right coverage in place can provide peace of mind and help prevent delays in your business operations.

At Jenkins Insurance & Financial Services, we specialize in helping Virginia contractors—especially roofers—navigate their insurance options. Our team understands the local market, industry risks, and what insurance carriers are looking for when underwriting roofing businesses.

We take a consultative approach, getting to know your business before recommending coverage. Whether you’re just starting out or have been in the industry for years, we’re here to help guide you toward insurance solutions that make sense for your operation.

Our goal is to simplify the process so you can focus on your business with confidence.

What Sets Jenkins Insurance & Financial Services Apart?

Choosing the right insurance agency is just as important as choosing the right coverage. Here’s why roofers across Virginia choose to work with us:

  • Local Knowledge – As a Virginia-based agency, we’re familiar with the regional challenges and regulatory environment affecting roofing professionals.
  • Carrier Access – We work with a broad network of insurance providers, helping you explore a range of options and pricing.
  • Customized Solutions – We tailor our recommendations based on your business size, scope, and future goals.
  • Responsive Service – When questions or claims arise, we’re only a phone call or email away.
Roofing Insurance Virginia
Jenkins Insurance & Financial Services, Inc

Ready to Learn More About Roofers Insurance?

If you’re looking for roofing insurance in Virginia, Jenkins Insurance & Financial Services is here to help. Whether you’re reviewing your current policy or shopping for new coverage, our team is ready to answer your questions and assist you every step of the way.

Request a quote online to get started. We look forward to helping you find insurance solutions that fit your roofing business.

Jenkins Insurance & Financial Services, Inc

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