Roofing Contractor Insurance
Roofing is one of the hardest trades to insure. Many carriers will not quote roofers at all. We place roofing general liability and workers' comp with carriers that actively write the class, including new ventures and contractors with past claims.
- 50+ A-rated carriers
- Same-day certificates
- Hablamos español
Wage threshold applies to policies starting on or after September 1, 2026. See what changed.
Where roofing contractors get hurt by claims
These are the exposures carriers look at first when they price your policy.
Falls from height
Falls drive the largest injury claims in roofing. They affect both your workers' comp and your general liability when a third party is hurt.
Water intrusion after the job
Leaks that show up months later are a common completed operations claim. Your general liability needs completed operations coverage to respond.
Fire from torch-down work
Hot work can trigger large property losses. Some policies exclude or limit it, so confirm how your policy treats torch-applied systems.
Height and residential limits
Many roofing policies restrict building height, residential versus commercial work, or new construction. A mismatch can leave a job uncovered.
Coverage most roofing contractors carry
We package these together so limits line up with your contracts and nothing overlaps.
General liability
Covers injury and property damage claims from your work, including completed operations.
Workers' compensation
Required for every C-39 roofer in California, with or without employees.
Contractor license bond
Required to hold or renew your license. Issued fast for most applicants.
Commercial auto
Covers crew trucks and trailers hauling materials and ladders.
Tools and equipment
Covers ladders, nail guns, and gear stolen or damaged on the job.
Umbrella
Adds limits above general liability and auto when contracts require more.
Roofing insurance rules by state
California
C-39 roofers must carry workers' comp even with no employees. A lapse suspends the license.
California contractor insuranceNevada
Roofers need a Nevada State Contractors Board license and a bond. Workers' comp is required once you have employees.
Nevada contractor insuranceArizona
Roofers need an Arizona Registrar of Contractors license and a bond. Workers' comp is required once you have employees.
Arizona contractor insuranceTexas
Texas has no statewide roofing license, and workers' comp is optional for most employers. Most GCs still require both GL and workers' comp from subs.
Texas contractor insuranceRoofing insurance questions
Do roofers need workers' comp in California if they have no employees?+
Yes. The CSLB requires every C-39 roofing contractor to carry workers' compensation, even with no employees. Roofers cannot file the no-employee exemption, and a lapse in coverage suspends the license.
Why is roofing insurance so hard to get?+
Roofing has high injury frequency and severity, so many standard carriers avoid it. Pricing and availability depend on your experience, loss history, the height of buildings you work on, and whether you do residential or commercial work. A broker with roofing markets matters more here than in most trades.
What changed for California roofing workers' comp in September 2026?+
For policies starting on or after September 1, 2026, the wage threshold between the high-wage and low-wage roofing class codes rose from $31 to $33 an hour. Workers paid below $33 now fall into the more expensive low-wage code.
Can I get a certificate of insurance for a roofing job the same day?+
Once a policy is bound, we issue certificates the same day in most cases, including additional insured and waiver of subrogation endorsements when your policy allows them.
Get your roofing insurance quote
Free and no obligation. Most quotes are returned within one business day.