Roofing consistently ranks among the most dangerous trades, which shapes everything about how it's insured. Falls, dropped materials, and weather exposure make both general liability and workers' comp essential — and more expensive than for lower-risk trades.
General liability protects you when a third party is injured or their property is damaged — a tile that falls on a car, damage to the structure, or a passerby hurt near your job. Most general contractors require at least $1 million in coverage.
Workers' comp is critical for roofers because of the elevated injury risk. California requires it for any business with employees, and a strong safety program can help keep your experience modification rate — and your premium — in check.
Because roofing class codes carry higher rates, accurate payroll reporting and proper classification matter enormously. Misclassification can trigger a painful audit bill at year-end.
Work with an agent who understands the roofing trade so your limits satisfy GC requirements without overpaying. Request a quote and get coverage built for high-risk work.
