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Roofing Contractor
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Roofing Contractor Insurance — High-Risk Trade Specialists

Roofing Contractor Insurance in California

Roofing is consistently one of the most difficult trades to place insurance for. Capital & Co has carrier relationships specifically for roofing contractors — from residential re-roofs to large commercial flat roof systems.

Key Risks for Roofing Contractors

Falls from height — the leading cause of fatalities in construction

Wind-driven water intrusion claims after project completion

Third-party property damage from falling materials or equipment

Storm-chasing operations and catastrophe response liability

Subcontractor liability when using roofing crews

Workers comp — roofing is among the highest EMR classifications

Coverage Requirements

Coverage
Typical Limit
Required
Why It Matters
General Liability
$1M/$2M
Many contracts require $2M/$4M for commercial roofing
Workers Compensation
Statutory
Roofing class codes carry significant premium — placement matters
Commercial Auto
$1M CSL
For trucks, trailers, and material hauling
Inland Marine
$50K–$200K
Covers roofing equipment, nail guns, compressors
Excess / Umbrella
$1M–$10M
Critical for commercial roofing contracts
Contractors Pollution Liability
$1M
For work involving asbestos-containing roofing materials

Why Capital & Co

  • Specialized market access for roofing contractor programs
  • California-specific regulatory knowledge and compliance
  • Competitive rates across 50+ admitted and non-admitted carriers
  • 1-hour quote turnaround for most contractor submissions
  • Dedicated claims advocacy and certificate management