Roofers Insurance in California
Higher riskRoofing is one of the higher-risk construction trades due to fall exposure, working at height, and the potential for significant property damage claims, which means roofing accounts often require additional underwriting review.
Key Risks for Roofers
- Falls from height during tear-off and installation
- Fire risk from torch-down and hot tar applications
- Property damage to interiors from leaks during work
- Debris and material falling onto adjacent property or vehicles
- Subcontracted crews working under the roofing contractor's license
Coverage to Consider
General Liability
Roofing operations typically require specific classification and may carry exclusions for certain roof types or heights.
Workers' Compensation
Required for roofing crews; rates reflect the elevated injury exposure of the trade.
Commercial Auto
For material delivery trucks and trailers.
Umbrella / Excess Liability
Often requested by property owners and general contractors given the severity potential of roofing claims.
Typical Cost Range
Typical range
$4,500 – $9,500+ / year
Pricing varies by payroll, revenue, subcontractor use, prior claims, limits, endorsements, certificate requirements, and underwriting approval.
Roofing subcontracts frequently require higher liability limits, waiver of subrogation, and specific roofing operations to be listed on the certificate.
Frequently Asked Questions
Related Trades in Exterior and Structural Trades
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