If you’re a roofer in California, you already know your job comes with a little more risk than your average desk gig. While some folks worry about paper cuts and slow Wi-Fi, you’re scaling rooftops, battling the elements, and handling heavy materials—all in a day’s work. But here’s the million-dollar question: Is contractors’ workers’ compensation required for roofers in California? The short answer? Absolutely. And here’s why you need it.

The Law Doesn’t Cut Corners

California doesn’t mess around when it comes to workers’ compensation insurance. The state requires all construction employers to carry California contractors’ workers’ compensation insurance for their employees, and that includes roofing contractors. Unlike some professions where the rules might be a little more flexible, roofing is considered a high-risk job, meaning the state takes extra precautions to ensure workers are protected.

In California, roofing contractors (C-39) must carry workers’ compensation insurance for roofers—even if they have no employees. The Contractors State License Board (CSLB) enforces this rule to ensure financial protection in the event of a work-related injury.

For roofers with employees, the law is even stricter—if you have just one employee, you are legally required to provide workers’ comp coverage. This insurance covers medical expenses, lost wages, and rehabilitation costs if a worker is injured on the job, helping them recover without placing a financial burden on your business.

Without workers’ comp, you’re exposing yourself to serious financial penalties—or worse, a lawsuit that could shut down your business. Compliance isn’t just about avoiding fines—it’s about protecting both your livelihood and the people who work for you.

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What Happens If You Skip Workers’ Comp?

Let’s say you decide to roll the dice and skip out on workers’ compensation insurance—bad move. Here’s what you’re up against:

• Hefty Fines – The California Division of Workers’ Compensation (DWC) isn’t shy about handing out penalties. You could be fined up to $100,000 for failing to carry the required coverage.
• Lawsuits – Without workers’ comp, an injured employee can sue you directly for medical bills, lost wages, and pain and suffering. Spoiler alert: It won’t be cheap.
• Criminal Charges – Yep, going without workers’ comp is actually a criminal offense in California. You could face misdemeanor charges, leading to jail time or additional fines.

So, unless you enjoy handing over hard-earned cash or spending time in court, it’s best to get the right coverage and protect your business.

Benefits of Workers’ Compensation for Roofers

Now that we’ve covered the legal side, let’s talk about why workers’ comp isn’t just about avoiding fines—it’s actually good for your business.

1. Protects Your Employees – Covers medical expenses, lost wages, and rehabilitation costs if a worker gets injured on the job, ensuring they receive proper care and financial support.
2. Keeps Your Business Running – An injured employee without workers’ comp could mean legal action, financial strain, and even business closure. Having coverage ensures that you stay in the game.
3. Legal Compliance – Staying compliant with California law keeps you out of trouble and helps you avoid unnecessary stress.Top of FormBottom of Form

How to Get the Right Workers’ Compensation Policy

Not all workers’ compensation insurance policies are created equal. Contact Fairbanks Insurance Brokers and speak with a broker that knows roofing contractors’ workers’ comp from A to Z.

Fairbanks Insurance Brokers — The Ultimate Source for Discount Roofing Contractors’ Workers’ Comp in California!