Roofing Insurance
Central Valley, Elk Grove, Lodi, Minden, Santa Rosa, Sonora, St Helena, Visalia, Walnut Creek
At Leavitt United Insurance Services, we know that roofing contractors face some of the toughest challenges in construction.
Working at heights, managing subcontractors, and meeting evolving California insurance requirements means having the right protection isn’t optional — it’s essential. We specialize in roofing insurance for contractors in Sacramento and across California, providing tailored coverage that protects your crew, your reputation, and your bottom line.
Request Quote or Contact Us
Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.
What You Need to Know About Roofing Insurance
Why Roofing Contractors Need Specialized Insurance
Roofing work comes with unique risks that standard contractor policies don’t always cover — from completed operations claims and subcontractor liability to compliance with California’s SB 216 workers’ compensation law. Without proper roofing insurance, one small oversight can lead to major financial losses or lost project bids.
Our roofing insurance programs help you:
- Meet insurance requirements for roofing bids and licenses.
- Stay compliant with SB 216 and other state regulations.
- Protect against post-completion claims and property damage.
- Confidently grow your business with fewer risks.
Core Coverages for Roofing Contractors
General Liability Insurance
General liability is the foundation of every roofing business insurance policy. It covers property damage, bodily injury, and completed operations claims — crucial for roofers since many issues occur after a project is complete, such as leaks or material defects. With the right completed-operations endorsement, you’re protected long after the job is finished. Learn more from the U.S. Small Business Administration (SBA).
Workers’ Compensation Insurance (Including Ghost Policies)
Beginning January 1, 2026, California’s SB 216 requires all licensed contractors — even sole proprietors — to carry active workers’ compensation insurance. For self-employed roofers or independent contractors, a Ghost Policy provides proof of coverage without requiring payroll, keeping you compliant and competitive.
Commercial Auto Insurance
Roofers depend on trucks, trailers, and work vehicles daily. Commercial auto coverage protects your business if a company vehicle causes property damage, is stolen, or is involved in an accident. For more information, visit the U.S. Department of Transportation (DOT).
Tools and Equipment Coverage
Your tools are your livelihood. Inland marine coverage protects your roofing tools, ladders, and materials against theft or damage while moving between job sites.
Umbrella Liability and Additional Options
An umbrella policy increases your protection beyond standard liability limits. Additional coverage options for roofing contractors include:
• Builders Risk Insurance
• Professional Liability for design or consulting work.
• Bonding and Surety Services — SBA Surety Bond Program.
Why Roofers Choose Leavitt United Insurance Services
We partner with top-rated national carriers that understand California’s roofing industry and regulatory landscape. Our approach is personal, proactive, and local, ensuring your coverage evolves as your business grows.
With Leavitt United, you get:
- A local Sacramento team that understands roofing risks.
- Compliance guidance on SB 216 and state mandates.
- Access to specialized markets with competitive rates.
- A dedicated advisor who knows your trade inside and out.
Get a Quote for Roofer’s Insurance in California
Protect your roofing business with a custom insurance package designed for your trade, your risks, and your growth.
Call Leavitt United Insurance Services or request your quote online today. Let’s make sure your coverage works as hard as you do.
Have questions? Contact:
Brian Stone
Commercial Insurance Advisor
Call: (916) 405-9187Book an Appointment»
Service Area: California
Frequently Asked Questions
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What is a Workers’ Comp Ghost Policy?
A Ghost Policy provides proof of coverage for sole proprietors or independent contractors with no employees, helping you stay compliant and qualify for more bids. More info
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What does general liability insurance cover for roofers?
General liability covers property damage, bodily injury, and completed operations, including issues that arise after a roofing project is finished. Insurance Information Institute (III) guide
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How does SB 216 affect roofing contractors?
Beginning January 1, 2026, California Senate Bill 216 requires all licensed contractors — including one-person roofing businesses — to carry active workers’ comp coverage.
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Why is completed-operations coverage important?
Many roofing claims occur after project completion. This coverage protects you from post-job liabilities such as leaks or property damage.
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Is roofing insurance required in California?
Yes. Licensed roofers must carry workers’ compensation insurance, even without employees. Most clients also require proof of general liability before awarding a job. California Contractors State License Board (CSLB): https://www.cslb.ca.gov/
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What insurance do roofing contractors in California need?
Roofers typically need general liability, workers’ compensation, and commercial auto insurance. Depending on your setup, tools and equipment coverage may also be recommended.
