Do I need to declare subcontractors during hail season?

Yes. Tell your broker if you bring in subcontracted crews, and collect their certificates and WCB clearances. Undeclared or uninsured subs are a common reason roofing claims go wrong.

Why is roofing insurance expensive in Saskatchewan?

Roofing is a high-risk trade everywhere, and many insurers limit how much they'll write. Comparing brokers with specialty markets is the best way to find a fair price.

Does my policy cover the homeowner's hail damage?

No. The homeowner's own insurance covers hail damage to their roof. Your policy covers damage or injury your work causes.

Saskatchewan trade insurance

Insurance for Roofing Contractors in Saskatchewan

Liability, tools, and vehicle coverage for Saskatchewan roofers. Licensed brokers who write roofing compete for your account.

Get my quote

Roofing Contractors in Saskatchewan illustration

Commercial Liability & Risk Guide for Roofing Contractors in Saskatchewan

Hail drives the roofing business in Saskatchewan. A single summer storm can damage thousands of roofs in Regina or Saskatoon, and roofing crews are booked for months afterward. That surge brings its own risks: extra subcontractors, rushed schedules, and crews from out of province. Roofing is a hard class for many insurers, so comparing brokers matters. QuoteMatch sends your application to licensed Saskatchewan brokers who write roofing contractors.

Risks specific to Saskatchewan

Working in Saskatchewan brings its own climate, market, and regulatory risks:

Hail-season workload surges and extra subcontractors.
Water getting in on open roofs during summer storms.
Fall hazards, especially on steep and wet roofs.
Tool and ladder theft from trucks and sites.

Rules and requirements to know

Insurers and clients in Saskatchewan will expect you to meet these:

Saskatchewan's Occupational Health and Safety Regulations, 2020, including fall protection.
WCB Saskatchewan coverage and clearances for subcontractors.
Local permits for re-roofing and structural work.

Example claim

How a claim could happen

“After a Regina hailstorm, a subcontracted crew leaves a roof partly open. An evening storm soaks the attic insulation and ceilings below.”

How coverage respondsThe roofing contractor's liability coverage handles the interior damage claim. The subcontract and certificate on file decide how costs are shared.

Official resources

Roofing Contractors in other provinces

Common questions: Roofing Contractors in Saskatchewan

Do I need to declare subcontractors during hail season?: Yes. Tell your broker if you bring in subcontracted crews, and collect their certificates and WCB clearances. Undeclared or uninsured subs are a common reason roofing claims go wrong.
Why is roofing insurance expensive in Saskatchewan?: Roofing is a high-risk trade everywhere, and many insurers limit how much they'll write. Comparing brokers with specialty markets is the best way to find a fair price.
Does my policy cover the homeowner's hail damage?: No. The homeowner's own insurance covers hail damage to their roof. Your policy covers damage or injury your work causes.