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The liability coverage on your homeowners policy will protect you from anyone that is hurt on your property and tries to sue you. As for the roofing contractors, you would need to make sure they are licensed and bonded themselves so any damage they cause will be covered. If you are looking for a roofer, do not hire anyone who does not carry their own business liability policy. I am an insurance agent and this answer is based on my knowledge of insurance and claims, but you can go to the following website to read frequently asked questions on insurance quotes and claims. This is the website I found additional answers for your question: http://www.insurancequotesfaq.com/homeowners-insurance/homeowners-insurance-2126.html

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Q: Will my homeowners policy provide coverage for roofing contractors?
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