When looking at most Roofing General Liability policies, generally, the limits are $1,000,000 per occurrence and $2,000,000 aggregate on a standard policy. However, if your roofing company is performing work for commercial projects, apartments, or expensive, new custom homes, we would suggest that it would benefit your company by securing an additional layer of protection, otherwise known as an Umbrella Policy, over your current California General Liability Policy. Working as an California Roofing Contractor, you should be aware that without the proper insurance coverage, your business could potentially suffer large losses should your company be held liable for a claim that was successfully filed against you. Having a California Roofing General Liability Insurance Policy will help to protect you from these losses. Also, it would be beneficial to your company to carry adequate workers’ compensation insurance to protect your employees.
An additional factor that will affect what your premium will be is what type of roofing your company does. This includes whether your roofing company does commercial and/or residential roofing and what percentage of each that you do. Other factors that are included in determining your premium include whether or not your company does torch-down application, hot mop application, foam roofing, flat roofs, apartments, new custom homes, or tract housing, to name just a few.