On this page
- Roofing contractors need general liability for third-party claims and workers' comp once they have employees (state rules vary).
- California has 5,809 active-file licenses listing class C-39 (CSLB, Oct 2026).
- California requires C-39 roofing contractors to carry workers' comp even with no employees (BPC §7125). Texas has no state roofing license.
What roofing contractors insure
- General liability — client property damage or injury caused by your work.
- Workers' compensation — employee injuries.
- Tools / equipment and commercial auto — separate policies.
Official rules that apply
California requires C-39 roofing contractors to carry workers' comp even with no employees (BPC §7125). Texas has no state roofing license.
| Washington requirement | Amount | Source |
|---|---|---|
| General contractor bond | $30,000 | RCW 18.27.040 (since July 1, 2024) |
| Specialty contractor bond | $15,000 | RCW 18.27.040 |
| General liability | $200,000 public liability + $50,000 property damage, or $250,000 combined single limit | WA L&I |
| Certificate holder | L&I must be listed | WA L&I |
Check the license behind the policy
Insurers and clients look at your license status first. See what the state shows for you — free.
California trade data
Source: CSLB License Master file, October 2026 (244,107 records; a license can list several classes).
We're choosing a quote partner. Until then, use the checklist on this page when you call insurers.
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Check the roofing license first
Insurers and clients check your license. Use our roofing license lookup or the free check.
Getting quotes
- License number and classification
- Payroll and revenue estimates
- Limits required by clients / state
- Claims history
Partner slot — roofing contractor insurance quotes (partner approval pending). No link yet.
Check the license behind the policy
Insurers and clients look at your license status first. See what the state shows for you — free.
FAQ
Is general liability insurance required for contractors?
It depends on the state. Washington and Oregon set minimums as a condition of registration/licensing; many states do not, but clients and GCs commonly require a COI.
Does general liability cover my employees?
No. Employee injuries are covered by workers' compensation.
Still unsure?
Answer 3 quick questions and we'll point you to the right official rules.