Idaho Roofing Contractor Insurance
General liability, workers' comp and bonds for Idaho roofers, from a licensed broker who knows how roofing gets underwritten. Same-day certificates of insurance. Call (949) 868-7350.
What Insurance Does an Idaho Roofer Need to Register?
Idaho has no separate state roofing license. Roofers working on jobs of $2,000 or more register with the Idaho Contractors Board, part of the Division of Occupational and Professional Licenses (DOPL). Registration requires general liability of at least $300,000 single limit, including products and completed operations, plus workers’ comp for any employees or a valid exemption. Idaho doesn’t require a state contractor bond to register. Most general contractors still require $1M per occurrence / $2M aggregate.
Roofing is one of the hardest trades to insure. Many standard carriers won't write it, and many roofing policies come with height limits, torch-down exclusions or new-construction exclusions that a contractor doesn't find until a claim is denied. The Hard Hat Insurance team, the marketing division of Bearstar Insurance Services, places Idaho roofers with carriers that want roofing business, issues the certificate for your registration, and reads the exclusions before you sign. Whether you install shingles in Meridian, do commercial membrane roofing in Boise, or repair storm damage in Idaho Falls, we match your coverage to your registration and to your GC's certificate requirements.
Commercial General Liability
Roofing General Liability
General liability pays when your work damages property or injures someone who isn't your employee. For roofers, the most common claims are interior water damage while a roof is open, falling materials, and leaks that show up after the job is finished. That's why completed operations coverage matters as much as coverage during the job.
Limits that meet the $300,000 registration minimum and your contracts.
Additional insured, waiver of subrogation and primary/non-contributory wording when your GC requires it.
Surety Bonds
Idaho Permit & Public Works Bonds
Idaho doesn’t require a state bond to register, but public works projects, many cities and some project owners do. We can often issue bonds the same day, with a quick quote and no long application.
Bad credit programs available.
Permit, public works and performance bonds.
Idaho roofers are rated under class code 5551, one of the most expensive construction classifications, so getting the classification right is the biggest lever on your premium. Office staff (8810) and outside sales or estimators (8742) should be reported separately. We compare the Idaho State Insurance Fund with private carriers that write roofing, and exempt sole proprietors can still buy coverage when a GC requires it.
Pay-as-you-go options available (helps cash flow).
Waivers of subrogation for commercial contracts.
Workers' Compensation
What We Cover
Commercial Auto
Work Truck & Fleet
Your personal auto policy may not cover an accident in a truck used for work, especially one hauling a trailer, ladders or a load of shingles. Commercial auto covers your work trucks, trailers and the drivers you hire, with higher limits when a contract calls for them.
Builders Risk
Builders Risk (Course of Construction)
Protect your project from fire, wind, snow load and theft of materials, all common on Idaho job sites. We cover the structure from the ground up until the job is signed off.
Covers materials on-site and in transit.
Required by most lenders for new construction and remodels.
Inland Marine (Tools & Equipment): Covers theft of your generator, compressor, and hand tools from the job site or your truck.
Professional Liability: For design-build contractors and construction managers.
Excess Liability (Umbrella): When the standard $1M limit isn't enough for a big commercial contract.
And More
Local Service Area
Serving all of Idaho. We insure roofing contractors statewide.
Treasure Valley & Southern Idaho: Boise, Meridian, Nampa, Twin Falls.
Eastern & North Idaho: Idaho Falls, Pocatello, Coeur d’Alene.
Call: (949) 868-7350
Jesus Galvan, licensed insurance broker, Idaho license #20617222. Se habla español.
Need a COI Today?
Most GCs and property managers ask roofing subs for $1M/$2M GL with completed operations, additional insured, waiver of subrogation, primary/non-contributory wording and proof of workers' comp. Send us your GC's requirements and we'll confirm your policy meets them before you sign.
5 Roofing Exclusions That Can Leave You Uninsured
1. Height limitation
Excludes work above a set height, often two or three stories. A problem if you take on apartments or commercial buildings.
2. Hot work / torch-down exclusion
Excludes torch-applied membranes and hot asphalt. If you do flat or low-slope roofs, you need this covered.
3. New construction or tract housing exclusion
Excludes work on new homes or developments, which can remove a large share of a roofer's income.
4. Subcontractor and action-over exclusions
Some policies require every sub to carry their own insurance naming you as additional insured, or a claim on that job may be denied. Others exclude claims where an injured worker sues the GC, who passes the claim to you. Many GCs require that exclusion removed.
5. Interior water damage limits
Caps or excludes water damage to a building's interior while the roof is open. With Idaho's snow and spring storms, that's one of the most common roofing claims. We review these provisions before you sign and tell you plainly what's covered and what it would cost to fix.
Idaho Roofing Insurance FAQ
Do I need a special license to be a roofer in Idaho?
No. Idaho has no separate state roofing license. You register as a contractor with the Idaho Contractors Board, with at least $300,000 in general liability and workers’ comp or an exemption.
How much liability insurance does Idaho require for roofers?
At least $300,000 single limit, including products and completed operations, to register. Most GCs require $1M / $2M regardless.
Do I need workers' comp if I work alone?
Sole proprietors and working partners or LLC members with no employees can be exempt in Idaho. As soon as you pay anyone for labor, you need workers' comp. Many GCs require it even from solo roofers.
Can I get insurance if I've had claims or I'm a new business?
Usually, yes. We work with specialty carriers that write new roofing companies and roofers with prior claims, though pricing and terms vary.
Does my GL policy cover a roof that leaks after the job?
Only if your policy includes completed operations coverage and the damage isn't excluded. The repair of your own faulty work is usually not covered, but resulting damage to the building's interior often is.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
© 2026. All rights reserved.
Se habla español: ver el sitio en español