🏠 Roofers Insurance

Insurance built
for California
roofers.

Roofing is one of the highest-risk trades in construction. Falls, property damage, and completed operations claims are real exposures. We build roofer-specific packages that GCs and homeowners will accept.

✓ General Liability✓ Workers Comp✓ C-39 License Bond✓ Commercial Auto
Carriers We Work With
HartfordICW GroupEmployersMarkelTravelers+ 15 more
✦ Free & No Obligation

Get Your Roofers Quote

Fast quotes · Licensed agents · Real savings

What coverage are you looking for?
Tell us about your business
Where should we send your quotes?
🔒Your info is secure & never sold. A licensed agent will contact you within 1 business hour.
✅

You're all set, there!

A licensed CoverGuard agent will reach out within 1 business hour with your roofers insurance quotes.

📞 Call Now Instead
Why CoverGuard
Why roofers choose CoverGuard
We understand roofing risk — fall exposure, completed operations, and high-limit requirements.
🏠

Many insurers won't write roofers. We specialize in it.

Roofing is hard to insure because the risks are real — falls, roof collapses, and water infiltration after the job. We work with carriers that specialize in roofing contractors and know how to price the risk fairly.

🏠
C-39
CA Roofing Contractor License Classification
⚡

Same-Day Response

Every quote request gets a personal response within 1 business hour from a licensed California agent.

#1
Most dangerous trade for workplace injuries in CA
🏆

20+ Carriers

We compare 20+ top carriers to find you the right coverage at the best rate — not what pays us the most commission.

Coverage Options
What you need.
What we provide.
Coverage built specifically for roofers — not a generic business policy that misses your exposures.
🏠
General Liability
Covers bodily injury and property damage from your roofing work.
  • Fall injury liability
  • Property damage claims
  • Water infiltration
  • Completed operations
Core
👷
Workers Compensation
Roofing is the #1 cause of construction fatalities. WC is non-negotiable.
  • Fall & trauma injuries
  • Medical & lost wages
  • CA state compliance
  • Sub vs. employee classification
Required
📋
C-39 License Bond
Required by CSLB for C-39 Roofing Contractor license.
  • CSLB requirement
  • $15,000 minimum
  • Fast issuance
  • Renewal reminders
Required by CSLB
🚛
Commercial Auto
Covers your trucks and trailers hauling materials.
  • Trucks & trailers
  • Material in transit
  • Hired & non-owned
  • Fleet discounts
Recommended
🔧
Tools & Equipment
Covers nail guns, compressors, and roofing equipment.
  • Roofing guns & compressors
  • Ladders & scaffolding
  • Job-site theft
  • In-transit coverage
Recommended
💼
Commercial Umbrella
GCs often require $2M–$5M umbrella for roofer subs.
  • $1M–$5M additional
  • GC requirement compliance
  • Catastrophic fall claims
  • Completed operations buffer
Often Required by GC
Common Questions
Everything you need
to know.
Why is roofing insurance so expensive?+
Roofing has the highest workers comp injury rate of any trade. Falls, burns from hot tar, and heat exhaustion are common. Carriers price accordingly.
What GL limits do GCs require from roofer subs?+
Most GCs require $1M/$2M GL with completed operations, plus a $2M–$5M umbrella. We make sure your package meets typical GC requirements.
Is completed operations coverage included automatically?+
Not always. Some policies exclude or limit completed operations for roofing. We specifically include it for all our roofing clients.
How do I get a certificate for a GC fast?+
We can issue certificates same-day or within 24 hours. Just let us know what's required on the cert and we'll have it to you quickly.

Get roofer-specific coverage today.

High-risk specialists. Fast certs. Real coverage.

Get a Free Quote → 📞 (562) 758-1200
🏠 Get My Roofers Quote