How much does Roofer insurance cost in Cambridge, Massachusetts?

The estimated annual cost for a Roofer in Cambridge with one employee is between $2484 and $3653. The state base rate is $1100.

What insurance is required for a Roofer in Massachusetts?

In Massachusetts, businesses are subject to a 6.3% insurance tax. Roofers typically need General Liability due to a risk factor of 2.5.

Roofer Insurance Cost in Cambridge, Massachusetts (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$2484-$3653

Estimated Annual Premium

Monthly Average Breakdown

$244 / mo

Includes General Liability

Industry Risk Profile

Roofing is considered a high-risk profession due to the height of the work and the potential for severe injuries or significant property damage.

Risk Factor2.5x

Location Factors

State Base Rate$1100
Cambridge Multiplier1x
State Tax Rate6.3%

Local Compliance FAQ

Is General Liability required in Cambridge?

While Massachusetts law may not mandate it for all businesses, Roofers often need proof of insurance to bid on local commercial projects in Cambridge.

Why is the rate different here?

Your premium reflects Massachusetts's specific base rate of $1100 and a local city multiplier of 1x.

Compare Roofer Insurance in Other Massachusetts Cities

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How much does Roofer Insurance cost in Cambridge?