Coverage Comparison Tool
What Insurance Does My Trade Need?
Select your CSLB license class to see exactly what coverage is required, what's recommended, and estimated costs for California contractors.
Coverage Requirements for Roofer (C-39)
CSLB License: C-39 · California 2026
| Coverage Type | CSLB Required? | Recommended? | Estimated Cost | Notes |
|---|---|---|---|---|
| General Liability | ✓ Required | ★ Yes | $3,000–Varies | High-risk trade — expect higher GL premiums |
| Workers Compensation | ✓ Required | ★ Yes | $16–$28 per $100 payroll | Highest WC rate in CA — WCIRB Classes 5552/5553 |
| Commercial Auto | Optional | ★ Yes | Varies by vehicle, use, drivers, and underwriting | Required for any work vehicle |
| Contractor License Bond | ✓ Required | ★ Yes | $10–Varies | $25,000 CSLB bond required |
| Tools & Equipment | Optional | ★ Yes | $600–Varies | Covers ladders, nail guns, compressors |
| Excess Liability | Optional | ★ Yes | $700–Varies | Many GCs require $3M+ for roofing work |
Get a Quote for Roofer (C-39)
coverage options based on your trade and operations • multiple insurance markets •