Roofing in California isn’t just physically demanding—it’s legally risky. Between steep pitches, jobsite hazards, and strict state requirements, one mistake can lead to major financial fallout. That’s where liability insurance comes in. The good news? You don’t need sky-high premiums to get solid coverage that protects your business.

Fairbanks Insurance Brokers helps roofing contractors across California — from Sacramento to Los Angeles to San Diego — get reliable liability protection without overpaying.

What Does General Liability Insurance Cover for Roofers?

Think of general liability insurance as your safety net. No matter how careful you are, accidents happen. This type of contractors’ insurance covers the most common risks faced by roofing companies, such as:

• Bodily injury – If a client or third-party trips over your tools at a job site and gets injured, your insurance coverage pays for their medical expenses.
• Property damage – A misplaced ladder or fallen shingle can cause costly damage. Your general liability policy helps cover repair costs.
• Legal fees – If you get sued, liability insurance covers your legal expenses, including settlements and court costs.

Without adequate insurance, you could be held responsible for these costs out of pocket, putting your business at serious risk.

Additional Coverages Roofers Should Consider

While general liability coverage is crucial, it’s just one piece of a strong insurance package. Here are other policies you should consider:

1. Workers’ Compensation Insurance
   Your crew works hard—and on risky surfaces. If an employee is injured on the job, workers’ comp insurance pays for medical costs and lost wages. In California, it’s a legal requirement for roofing contractors with or without employees.

2. Commercial Auto Insurance
   Your work truck isn’t just transportation—it’s your mobile headquarters. Commercial auto insurance covers your vehicles in case of accidents, theft, or vandalism. If an employee crashes the truck on the way to a roofing job, your policy helps cover the damages.

3. Inland Marine Insurance
   Your tools are your livelihood, and they’re constantly on the move. Inland marine insurance (aka tools and equipment insurance) covers damage or theft of your gear while in transit or on-site.

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How Much Does Roofing Insurance Cost in California?

Not much with Fairbanks Insurance Brokers! That said, insurance rates do vary based on several factors, including:

• The size of your business
• Your past claims history
• The number of employees
• The type of insurance coverage you select
• Your location in California

To get the best coverage at the lowest insurance costs, work with licensed insurance pros Fairbanks Insurance Brokers, which specialize in insurance coverage for roofing contractors.

Don’t Wait Until Something Goes Wrong

Many roofers think they can hold off on contractors’ liability insurance until they “need it.” But by then, it’s too late. One accident can lead to massive financial losses that could shut down your roofing business.

Why California Roofers Trust Fairbanks:

• Decades of experience insuring roofing contractors
• Access to A-rated carriers that understand California code
• Fast quotes, no paperwork headaches
• No fluff — just coverage that meets your real jobsite needs

With tailored insurance solutions designed for roofers in California, you can ensure that your business is protected without overpaying. Fairbanks Insurance Brokers will help you secure the best coverage at competitive rates, whether you need a basic general liability policy or a full insurance package.

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