A professional roofing contractor will have all the necessary insurance to protect the contractor and all employees. This includes liability insurance and workers’ compensation. To verify their insurance, ask for a certificate of insurance and then call up the insurance company to guarantee the roofing contractor is current and has not lapsed on their insurance. Workers’ compensation is especially important because without it, if a worker gets injured on the job, the building owner can be held liable. This means paying for all medical bills and compensating for out of work paycheck losses.