If you’re a roofer in Georgia or you’re planning a startup, you’ve probably wondered: Do I really need liability insurance? While Georgia doesn’t require a specific roofing license, skipping out on insurance is like climbing a ladder with loose rungs—dangerous and downright risky.

A strong insurance policy isn’t just another business expense—it’s your safety net in a storm. Liability Insurance protects you from lawsuits, accidents, and unexpected claims that could knock the shingles right off your business. Fairbanks Insurance Brokers is here to make sure you’re covered so you can keep building (and repairing) with confidence.

Roofing in Georgia: The Insurance & Licensing Breakdown

Unlike some states that roll out a red tape carpet for roofers, Georgia keeps it simple. Here’s what you need to know:

✅ No state-mandated roofing license? That’s right! Georgia doesn’t require all roofers to carry a specific state license, but there’s a catch—many local municipalities do.

✅ Insurance isn’t technically required? True, but flying without it is a financial disaster waiting to happen.

✅ The Georgia Roofing Contractors Association (GARCA) offers a voluntary program for those who want a more professional edge. To qualify, you need to pass a business and law exam and provide proof of insurance.

What Insurance Do Roofers in Georgia Need?

Even though the state isn’t breathing down your neck about it, you should absolutely carry insurance. Here’s why:

• General Liability Insurance – Covers property damage, accidents, and those dreaded client claims. The industry standard? At least $500,000 in coverage (but let’s be real—$1 million is smarter).
• Workers’ Compensation Insurance – If you have three or more employees, the state requires you to have this. Even if you don’t, covering yourself and your crew can prevent costly lawsuits.
• Surety Bond ($25,000 Minimum) – This acts as a financial guarantee to clients that you’ll complete the job properly.

Skipping these protections is like roofing without underlayment—you’re just waiting for disaster to strike.

Municipal Requirements: Why Local Laws Matter

Even though Georgia doesn’t require a statewide roofing license, local governments often play by their own rules. Some cities and counties require licensing, permitting, or proof of liability insurance before you can legally work. Imagine booking a big contract only to find out you’re missing paperwork—it’s like getting halfway through a job and realizing you measured wrong.

Pro tip: Check with your local building department before taking on projects in different cities.

Why Smart Roofers Invest in Insurance

Think of insurance like a well-built roof—it shields your business from costly leaks. Here’s how it protects you:

• Property Damage Protection – Dropped tools, a stray nail, or a bad storm can turn a job site into a claims nightmare. Liability insurance helps foot the bill so you don’t have to.
• Accident Coverage – Roofing is risky work. If a worker takes a tumble or a client gets injured, your insurance ensures you’re not left holding the bag.
• Client & Contract Requirements – Many homeowners, general contractors, and commercial clients won’t even consider hiring a roofer without proof of insurance. Want bigger, better-paying jobs? Get covered.

Final Thoughts: Should You Get Insurance? Absolutely.

Even if Georgia doesn’t force you to carry liability insurance, skipping it is like roofing in a storm without safety gear. One bad claim can wipe out your business overnight.

Whether you’re just starting out or looking to beef up your coverage, Fairbanks Insurance Brokers (866) 805-3800 can help tailor a policy that fits your business needs. When it comes to roofing, it’s not just about covering houses—it’s about covering yourself too.

Fairbanks Insurance Brokers — The Ultimate Source for Discount Roofer Insurance in Georgia!