Roofing · Southwest Florida, FL
Fort Myers and Naples took direct hurricane hits in recent years, and rebuild work, out-of-state crews, and claim disputes have been elevated since. Carriers underwrite this stretch of coast carefully.
Free to use. No obligation. No spam.
Areas Covered
If your crews work anywhere in this part of Florida, an independent agent can quote you — including jobs that cross into neighboring regions.
What Matters Here
Licensing
Roofing is a state-regulated trade in Florida. Contractors generally need a certified or registered roofing contractor license through the CILB, and applicants must show general liability coverage and workers' comp or a valid exemption.
Workers' compensation
Construction employers in Florida generally need workers' compensation starting at one employee. Corporate officers can apply for limited exemptions, but the construction thresholds are strict.
Storm and claim drivers
Named-storm wind dominates. South Florida's High-Velocity Hurricane Zone adds stricter product approval and installation rules that affect permitting and claims alike.
Licensing and coverage requirements change and vary by jurisdiction and contract. Treat this as a starting point and confirm the specifics with a licensed agent before you rely on it.
Coverage Types
A complete program is usually six policies working together, not one general liability certificate.
Third-party bodily injury and property damage — including water intrusion during tear-off. Also the policy GCs are looking at when they ask for additional insured and primary & non-contributory endorsements.
Medical bills and lost wages for injured crew. The largest line item on most roofing programs, and the one where safety documentation and your experience mod move the price the most.
Trucks, trailers, and dump runs — plus hired and non-owned auto for crews driving personal vehicles between jobs.
Covers tools, compressors, and equipment on the job, in transit, and in the truck overnight — where they actually get stolen or damaged.
Covers shingles, membrane, and materials you've staged or partially installed but haven't handed over yet. Most GL policies won't touch them.
Sits above GL and auto. Commercial GCs and property managers routinely require $2M–$5M in total limits before you can start work.
Common Questions
Applicants for a certified or registered roofing contractor license generally have to show general liability coverage and either workers' compensation or a valid exemption. Required limits vary, so confirm the current numbers with your agent before you renew.
Miami-Dade and Broward counties fall in the HVHZ, which carries stricter product approval and installation standards. It doesn't change your policy directly, but installation defect claims and permit issues in the zone are watched closely by underwriters.
There's no honest flat answer — roofing premiums are driven by payroll, your split of residential versus commercial work, height and hot-work restrictions, the states you operate in, and your claims history. Two roofers with the same revenue can be priced very differently. The fastest way to a real number is a licensed agent running your payroll and loss runs through several carriers at once.
Generally no. General liability covers damage you do to someone else's property or person. Tools, compressors, ladders, and staged materials are covered by inland marine (tools and equipment) and an installation floater. This is one of the most common gaps we see on roofing policies.
It depends on the state, and roofing is often treated more strictly than other trades because it's classified as construction. Some states require coverage at the first employee, others at three or more, and general contractors usually require it by contract regardless of the legal threshold. Check your state's page for specifics and confirm with a licensed agent.
Tell us about your business and an independent agent licensed in Florida will reach out within one business day.
Nearby