California License #4472487 | NPN License #21655529

In California, being a licensed roofing contractor is only the first rung on the ladder. To legally operate and be taken seriously by general contractors, homeowners, and commercial developers, you’ll need the full risk management suite, which includes:

• $1M/$2M General Liability Insurance (minimum to access worksites and pull permits)
  
• $15K CSLB Contractor License Bond (non-negotiable for all licensed roofers)
  
• Commercial Auto Insurance (required if driving any vehicle for business use)
  
• Workers’ Compensation (mandatory unless you are a sole proprietor and exempted)
  
• Inland Marine/Tools & Equipment Coverage (protects nail guns, compressors, ladders, and safety gear)
  
  

💣 Here’s the Risk:

Without proper coverage, you’re exposed to:

• Permit denials and lost bids
  
• High-risk job site rejections
  
• Severe fines or CSLB action
  
• Personal liability for accidents or damage
  
  

🛡️ Solution:

Our California Roofer Starter Pack is tailored for new and seasoned contractors alike. We ensure every essential policy — down to the right classification code — is in place, so you’re cleared for takeoff on both residential and commercial roofs. We also issue fast COIs that speak the language of inspectors and project managers.

This is a daily friction point for roofers across California. From San Diego to Sacramento, job sites stall when a Certificate of Insurance lacks:

• Additional Insured endorsements (CG 20 10 & CG 20 37)
  
• Waiver of Subrogation clauses
  
• Primary & Non-Contributory language
  
• Jobsite-specific or permit-related verbiage
  
  

💣 Here’s the Risk:

Incorrect or delayed COIs lead to:

• Job site expulsion
  
• Delayed inspections or withheld progress payments
  
• Breach of subcontractor agreement
  
• Loss of credibility with GCs or city officials
  
  

🛡️ Solution:

We don’t just “issue COIs” — we build contract-compliant deliverables, fast. Whether it’s an urgent municipal job or a $400K HOA roof replacement, we customize every COI within hours — not days — with exact verbiage, matching your contract down to the commas.

A brutal wake-up call for many California roofers: General Liability does NOT cover your tools or mobile equipment. That’s what Inland Marine (Contractor’s Equipment) coverage is for. Without it, you’re footing the bill.

💣 Here’s the Risk:

Tool theft isn’t petty — it’s operational sabotage:

• $15K–$60K in losses overnight
  
• Delayed projects and loss of client trust
  
• Cash-flow interruptions to replace gear
  
• Potential contract cancellation due to delays
  
  

🛡️ Solution:

Every quote we build includes robust Inland Marine protection — not just for power tools, but for safety harnesses, ladders, scaffolding, compressors, and trailers. We cover your equipment in transit, on the roof, and stored overnight — so you’re protected where the job actually happens.

Yes — with very few exceptions. As of 2023, all active roofing contractors must carry Workers’ Compensation Insurance, regardless of whether you only use 1099 subcontractors. Roofing is a C-39 license classification, and CSLB has zero tolerance.

💣 Here’s the Risk:

Skipping coverage puts your entire operation in jeopardy:

• CSLB fines, license suspension, or revocation
  
• Rejection from GCs who demand proof of coverage
  
• Liability if a 1099 falls and sues you as a de facto employer
  
• Difficulty hiring skilled workers who expect coverage
  
  

🛡️ Solution:

We break down your business structure and determine if:

• You need traditional Workers’ Comp
  
• You’re eligible for Occupational Accident or Ghost Policy options
  
• You can qualify for waivers under strict exemption filings
  
  

We also ensure that subcontractor misclassification doesn’t come back to haunt you in an audit.

Roofing has the highest claim frequency and severity of any construction trade — and the market reflects that. One past injury or property damage event can push you into surplus lines territory, where rates are 2x–4x higher.

💣 Here’s the Risk:

• Non-renewals or declined applications
  
• Price-gouging by non-admitted carriers
  
• Project rejection due to lack of admitted paper
  
• Restricted access to larger commercial jobs
  
  

🛡️ Solution:

We specialize in loss rehabilitation. Here’s what we do:

• Reposition your business classification and SIC codes
  
• Submit loss control plans and safety protocols to underwriters
  
• Document improvements and training programs
  
• Connect you with carriers that understand high-risk trades like roofing
  
  

Even with a loss history, we help you climb back into the preferred market.

When your roofing company scales, so must your risk strategy. Static policies are the enemy of a dynamic business. As you grow, you’ll likely need:

• Higher GL limits to meet commercial or union job specs
  
• Updated Commercial Auto schedules
  
• New Workers’ Comp payroll estimates
  
• Increased tool limits and broader Inland Marine endorsements
  
• Coverage for crane rentals, demo, or hot application techniques
  
  

💣 Here’s the Risk:

Without scaling your insurance properly, you risk:

• Voided claims due to undisclosed vehicles or exposures
  
• Underinsurance on bigger contracts
  
• Personal financial exposure from policy gaps
  
• Compliance violations with CSLB or OSHA
  
  

🛡️ Solution:

We offer quarterly growth audits and real-time updates — not just once-a-year renewals. We help you:

• Raise policy limits in time for bid submissions
  
• Add trucks and drivers without delay
  
• Adjust payrolls and classifications mid-policy
  
• Stay in lockstep with your expansion and compliance obligations
  

You grow the business — we make sure your risk strategy never lags behind.

🔒 Pro Tip: Let us review your contracts, unique needs, and recommend the right level.