Essential Insurance and Bonding Requirements for Roofing Contractors: A State-by-State Guide

Updated October 2025

When Proper Coverage Makes All the Difference: Real Stories from the Field

In 2023, Mountain Peak Roofing, a mid-sized contractor based in Phoenix, Arizona, learned a devastating lesson about the importance of proper insurance coverage. The company had been operating for eight years, building a solid reputation for quality residential roofing work. However, in an effort to cut costs during a slow season, the owner decided to let his general liability insurance lapse for “just a few months” while he focused on saving money.

During this uninsured period, one of Mountain Peak’s crews was working on a steep-pitched residential roof when a worker accidentally dropped a heavy bundle of shingles. The materials crashed through the homeowner’s expensive skylight, causing over $45,000 in damage to the interior of the home, including destroyed hardwood floors, damaged furniture, and ruined electronics from water infiltration during a sudden rainstorm that occurred before repairs could be completed.

Without insurance coverage, the company was forced to pay the entire claim out of pocket. Unable to absorb this unexpected expense, Mountain Peak Roofing filed for bankruptcy within six months. The owner not only lost his business but also faced personal financial ruin. What made the tragedy even worse was that the insurance premium he had been avoiding would have cost less than $3,000 for the year—a fraction of the claim that ultimately destroyed his company.

The story doesn’t end there. Sarah Chen, the homeowner whose property was damaged, struggled for months to recover her losses. Without the protection of an insurance claim process, she was forced to pursue legal action against a company that was already insolvent. This is exactly the type of situation that proper general liability insurance is designed to prevent.

A Cautionary Tale About Bonding

On the opposite coast, Coastal Roofing Solutions in California faced a different but equally serious situation involving contractor bonds. The company had secured a $125,000 contract to replace the roof on a small commercial building in San Diego. The project was progressing smoothly until the company’s owner made a series of poor business decisions, including taking on too many projects simultaneously and using funds from the commercial project to cover emergency expenses on other jobs.

Halfway through the commercial roof installation, Coastal Roofing Solutions simply walked away from the project. Materials had been purchased but not fully installed, the existing roof had been partially torn off leaving the building exposed to the elements, and subcontractors hadn’t been paid for work already completed. The property owner filed a claim against the company’s $25,000 California contractor’s bond—the minimum required by the Contractors State License Board (CSLB).

The surety company investigated the claim and determined it was valid. They paid the property owner $25,000 from the bond, but the total damages exceeded $87,000. The surety company then pursued Coastal Roofing Solutions for reimbursement of the bond payment plus their investigation costs and legal fees. The owner, who thought the bond was like insurance that would simply “cover” claims, was shocked to learn that he was personally liable for repaying every penny to the surety company.

The property owner had to hire another contractor to complete the work, and because the bond only covered a portion of the damages, they filed a lawsuit against Coastal Roofing Solutions for the remaining $62,000. The contractor’s business license was suspended, and the owner faced years of legal and financial consequences. This serves as a critical reminder that bonds protect the consumer—not the contractor—and that bonded contractors are ultimately responsible for all claims paid out.

Understanding Commercial vs. Residential Roofing: Why It Matters for Your Coverage

Before diving into state-specific requirements, it’s essential to understand that commercial and residential roofing are distinctly different disciplines, and this distinction significantly impacts your insurance and bonding needs.

Residential Roofing Characteristics

Residential roofing typically involves work on single-family homes, townhouses, and small multi-family dwellings. These projects generally feature steeper roof pitches, with common materials including asphalt shingles, wood shakes, tile, or metal roofing panels. Residential projects tend to be smaller in scope, often completed in one to three days, with contract values typically ranging from $5,000 to $30,000.

The liability exposure on residential projects, while significant, is generally more predictable. Homeowners’ personal property is at risk, and there’s always the possibility of injury to occupants. However, residential roofing work follows relatively standardized practices, and the projects are usually straightforward compared to commercial work.

Commercial Roofing Complexities

Commercial roofing presents an entirely different set of challenges and risks. Commercial buildings feature predominantly flat or low-slope roofs, requiring specialized materials such as TPO, EPDM, PVC membrane systems, modified bitumen, or built-up roofing. These projects are substantially larger in scale, often taking weeks or months to complete, with contract values frequently exceeding $100,000.

The liability exposure on commercial projects is exponentially higher. A leak in a commercial building can damage thousands or millions of dollars worth of inventory, equipment, and tenant improvements. Business interruption claims can arise if a roofing problem forces a business to close temporarily. Commercial projects also involve more complex coordination with other trades, greater fall hazards due to building heights, and more stringent building codes and engineering requirements.

Many insurance carriers and state licensing boards recognize these distinctions and have separate requirements for residential versus commercial roofing contractors. Some states even issue different license classifications based on the type of work you perform.

Why This Matters for Insurance

Your insurance and bonding requirements often depend on whether you perform residential, commercial, or both types of roofing work. Commercial work typically requires higher liability limits due to the increased exposure. For example, while a residential contractor might carry $500,000 in general liability coverage, a commercial contractor often needs $2 million or more. Understanding which category your work falls into is the first step in ensuring you have proper coverage and meet your state’s requirements.

State-by-State Insurance and Bonding Requirements for Roofing Contractors

Navigating the maze of licensing, insurance, and bonding requirements across multiple states can be overwhelming. Each state has its own regulatory agency, requirements, and enforcement mechanisms. Below is a comprehensive guide to the requirements in California, Arizona, Texas, Nevada, Minnesota, North Dakota, Oklahoma, Wyoming, and Pennsylvania.

California: The Gold Standard of Contractor Regulation

California maintains one of the most comprehensive and strict contractor licensing systems in the country through the Contractors State License Board (CSLB).

License Requirements

To perform roofing work in California, contractors must hold a C-39 Roofing Contractor License. This requires demonstrating four years of journey-level experience within the past ten years, being at least 18 years old, and possessing either a Social Security Number or Individual Taxpayer Identification Number. Applicants must pass both a trade examination specific to roofing and a Law & Business examination.

Bonding Requirements

As of January 2023, California significantly increased its bonding requirements. All licensed contractors must now maintain a $25,000 contractor license bond, increased from the previous requirement of $12,500 or $15,000 depending on the license type. This bond must be continuous, written by a surety company licensed through the California Department of Insurance, and the business name and license number on the bond must exactly match the CSLB’s records.

Additionally, if the qualifying individual is a Responsible Managing Employee (RME), a separate $25,000 Bond of Qualifying Individual is required. For contractors operating as Limited Liability Companies, an additional $100,000 LLC Employee/Worker Bond is mandatory to protect employees and workers.

Insurance Requirements

California has unique workers’ compensation requirements for roofing contractors. Unlike most other trades, C-39 Roofing contractors must carry workers’ compensation insurance even if they have no employees. This requirement recognizes the high-risk nature of roofing work. Contractors cannot apply for an exemption from this requirement, regardless of their business structure.

While California doesn’t mandate specific general liability insurance minimums for licensure, maintaining adequate roofing contractor insurance is essential for protecting your business and is often required by clients and lending institutions.

Financial Impact

The cost of a California contractor bond varies based on your credit score and business history. Contractors with excellent credit can expect to pay approximately $250 to $500 annually for the $25,000 bond. However, roofing contractors are often considered higher risk by surety companies due to the elevated claim frequency in this trade, which can increase bond premiums to $750 to $1,500 per year or more for contractors with challenged credit.

Arizona: Tiered Licensing Based on Project Volume

The Arizona Registrar of Contractors (ROC) oversees contractor licensing in Arizona with a system that scales based on the volume and type of work performed.

License Classifications

Arizona doesn’t offer a specific roofing license classification. Instead, roofing contractors typically qualify under the General Residential Contractor or General Commercial Contractor classifications, depending on their primary type of work. Some contractors obtain a Dual license if they perform both residential and commercial work.

Experience and Testing

All applicants must demonstrate four years of related hands-on work experience or managerial experience in the field. The licensing process requires passing two examinations: the Statutes and Rules Exam (administered through GMetrix for a $54 fee) and the Trade Exam (administered through PSI Exams for a $66 fee). Both exams must be passed with a score of at least 70%.

Bonding Structure

Arizona uses a tiered bonding system based on the contractor’s anticipated volume of work. For Residential General Contractors, the bond requirement is $9,000 for those completing less than $750,000 in annual project costs, or $15,000 for those who exceed this threshold. Commercial General Contractors must obtain a surety bond ranging from $5,000 to $100,000, depending on their total annual project costs.

Insurance Mandates

Arizona requires contractors with full-time employees to obtain workers’ compensation insurance. The ROC does not require contractors to carry general liability insurance as a condition of licensure. However, this doesn’t mean you should operate without it. Most commercial clients and many residential customers will require proof of liability insurance before signing a contract.

Application Costs

The application fee is $200 for Commercial licenses and $180 for Residential licenses. Once approved, the license fee is $580 for Commercial contractors or $320 for Residential contractors. Licenses must be renewed every two years.

Texas: Voluntary Licensing with Local Variations

Texas takes a unique approach to roofing contractor regulation. Unlike most states, Texas does not require a mandatory state-level roofing license. However, the Roofing Contractors Association of Texas (RCAT) offers a voluntary licensing program that has become the de facto industry standard.

The RCAT Voluntary License

While not legally required, obtaining an RCAT license provides significant credibility and is often required by insurance companies, general contractors, and savvy property owners. The RCAT license demonstrates that a contractor has met rigorous standards for experience, financial responsibility, insurance coverage, and industry knowledge.

Experience Requirements

Applicants must demonstrate at least two continuous years of experience in roofing as a company or principal individual domiciled in Texas. They must also maintain a fixed physical business location in Texas (P.O. boxes are not accepted).

Insurance and Bonding Options

RCAT offers flexibility in meeting financial responsibility requirements:

For Residential Roofing License: Contractors must either maintain $300,000 in combined single limit general liability insurance OR provide evidence that they can obtain a $100,000 surety bond, property bond, or irrevocable letter of credit.

For Commercial Roofing License: Contractors must either maintain $500,000 in combined single limit general liability insurance OR provide evidence that they can obtain a $100,000 surety bond, property bond, or irrevocable letter of credit.

Workers’ compensation coverage must be provided OR contractors must file DWC Form-005 (Employer Notice of No Coverage) if opting out. Texas is one of the few states where workers’ compensation is not mandatory.

Examination and Fees

Applicants must pass examinations covering basic business and safety knowledge, plus either a residential or commercial roofing exam (or both) with scores of 70% or higher on each portion. The initial license fee is $450 for RCAT members or $750 for non-members for a residential license. Commercial licenses cost the same. A combination residential and commercial license costs $650 for RCAT members or $950 for non-members.

Local Requirements

While Texas doesn’t require state licensing, several major cities have their own requirements. San Antonio and Austin require local contractor registration and may require bonds ranging from $5,000 to $25,000 depending on the type of work. Some cities like Beaumont require roofing contractors to post bonds of $15,000 to $25,000. Always check local requirements in the specific municipalities where you plan to work.

Nevada: Comprehensive Licensing Through the State Contractors Board

The Nevada State Contractors Board regulates all contractors performing work on properties valued over $1,000 in the state.

License Classification

Roofing contractors in Nevada must obtain a C-15 classification under either Class B (General Building) or Class C (Specialty Contractor) license types, depending on the scope of their work and project values.

Experience Standards

Nevada requires proof of at least four years of experience within the past ten years at a journeyman level, foreman position, or as a supervising employee or contractor. Education in construction-related fields may be substituted for some of the experience requirements.

Examination Process

Applicants must pass both a trade examination specific to roofing and a business and law examination. Nevada is a member of the National Association of State Contractors Licensing Agencies (NASCLA), which means contractors licensed in Nevada may have reciprocity options with other NASCLA states.

Financial Requirements

Nevada requires contractors to demonstrate financial solvency, submit financial statements, and obtain a surety bond. The bond amount varies based on the license classification and the monetary limit requested on the license. Contractors must also provide proof of workers’ compensation insurance.

General Liability Insurance

While not specifically required for licensure, maintaining appropriate general contractor insurance is essential for operating successfully in Nevada’s competitive market.

Minnesota: State Licensing for Projects Over $15,000

The Minnesota Department of Labor and Industry requires roofing contractors who perform more than $15,000 in total annual work to obtain a state license.

Licensing Threshold

If your total roofing work for the year exceeds $15,000, you must hold a Residential Roofer License in Minnesota. This relatively low threshold means most roofing contractors operating in the state need to be licensed.

Qualifying Person Requirement

Every roofing company must designate a qualifying person who passes the residential roofer trade examination. There are no prerequisite experience or educational requirements to take the exam, making Minnesota one of the more accessible states for entry into the roofing profession.

Application Requirements

The application process requires a completed Residential Roofers License Application, a Bureau of Criminal Apprehension Criminal Background Check for all individuals listed on the Disclosure of Owners, Partners, Officers form, and payment of the $180 license fee. Companies must also submit their Articles of Incorporation, partnership agreements, or other business organization documents.

Bonding Requirement

Minnesota requires a $15,000 surety bond and power of attorney to be filed with the Department of Labor and Industry. This bond protects consumers from contractor fraud, abandonment, or failure to complete work as contracted.

Insurance Requirements

While specific insurance minimums aren’t mandated for licensure, contractors must demonstrate proof of insurance coverage. Minnesota does require workers’ compensation insurance for most contractors with employees. Licensed residential building contractors and remodelers must maintain general liability insurance with coverage of at least $100,000 per occurrence and $300,000 aggregate, plus property damage insurance of at least $25,000.

North Dakota: Simple Licensing for Projects Over $4,000

North Dakota requires contractors to be licensed for any work exceeding $4,000, regulated through the North Dakota Secretary of State’s Contractor Licensing Board.

Classification System

North Dakota offers four classes of contractor licenses (Class A, B, C, and D) based on the size and scope of projects you plan to undertake. The classification determines your maximum project value limits.

No Examination Required

Unlike many states, North Dakota does not require contractors to pass a trade examination. However, you must demonstrate that you don’t owe any outstanding taxes to the state and provide evidence of financial responsibility.

Insurance Mandates

All contractors must provide proof of general liability insurance with the North Dakota Secretary of State listed as the certificate holder. If you have employees, workers’ compensation insurance through Workforce Safety & Insurance (WSI) is mandatory. You must provide WSI verification as part of your application.

License Fees

License fees are determined by the class of license and the maximum contract amounts you intend to pursue. Fees vary from relatively modest amounts for Class D licenses (up to $100,000 per job) to higher fees for Class A licenses (more than $500,000 per job). Licenses must be renewed annually by March 1.

Renewal Requirements

Annual renewal requires submission of a list of all projects exceeding $25,000 completed in the previous year, certification that all payroll taxes and WSI premiums have been paid, and an updated liability insurance certificate.

Oklahoma: Registration Rather Than Licensing

Oklahoma takes a registration approach to roofing contractor regulation through the Oklahoma Construction Industries Board (CIB).

Roofing Contractor Registration Act

The Oklahoma Roofing Contractor Registration Act requires both resident and nonresident roofing contractors to obtain valid registration from the CIB before engaging in or offering roofing services in the state. Failure to register is a misdemeanor punishable by fines up to $500.

Registration Requirements

To obtain registration, contractors must submit their qualifications and meet specific insurance requirements. There is no examination required for registration, making Oklahoma’s process relatively straightforward compared to many other states.

Insurance Requirements Based on Work Type

Residential Roofing Only: Contractors must provide a certificate of insurance evidencing a minimum of $500,000 in commercial general liability insurance. The certificate must list the individual registration holder’s name and designate the Oklahoma Construction Industries Board as the certificate holder.

Any Commercial Roofing Work: Contractors performing any commercial roofing work must carry a minimum of $1,000,000 in commercial general liability insurance. This higher requirement reflects the increased liability exposure associated with commercial projects.

Workers’ Compensation

Contractors must provide evidence of workers’ compensation insurance coverage or documentation of exemption from coverage. Oklahoma allows certain contractors to opt out of workers’ compensation, but this decision should be made carefully after consulting with an insurance professional.

No Bonding Requirement

Oklahoma does not require roofing contractors to post a surety bond for registration purposes. However, individual projects, particularly government contracts, may require performance and payment bonds.

Wyoming: Minimal State Regulation

Wyoming maintains a hands-off approach to contractor licensing, with no state-level license requirement for roofing contractors.

State-Level Requirements

Wyoming does not require roofing contractors to hold a state license. The state only regulates electricians through the Wyoming Department of Fire Prevention & Electrical Safety and water well contractors through the Wyoming Water Well Contractors Licensing Board.

Local Municipality Requirements

While there are no state requirements, some local municipalities and counties may have their own licensing, registration, or permit requirements. Contractors should always check with the building department in the specific jurisdiction where they plan to work.

Insurance Considerations

Even though Wyoming doesn’t mandate licensing or insurance for roofing contractors, operating without proper insurance coverage is extremely risky. Most legitimate clients will require proof of both general liability and workers’ compensation insurance before hiring a contractor. Maintaining appropriate roofing contractor insurance coverage is essential for protecting your business, regardless of legal requirements.

Best Practices

Smart contractors operating in Wyoming voluntarily obtain the same level of insurance coverage that would be required in regulated states. This typically includes at least $1 million in general liability coverage and workers’ compensation insurance for all employees. Many contractors also obtain surety bonds voluntarily to demonstrate financial responsibility to potential clients.

Pennsylvania: Local Control and Home Improvement Registration

Pennsylvania does not license or regulate roofing contractors at the state level, leaving most oversight to local jurisdictions.

Home Improvement Contractor Registration

While there is no state roofing license, contractors who perform home improvement work must register with the Pennsylvania Attorney General’s Office – Bureau of Consumer Protection. This registration applies to contractors who perform home improvement work, which includes roofing on residential properties.

Registration Requirements

Home improvement contractors must maintain insurance coverage and use contracts that meet specific consumer protection requirements outlined in Pennsylvania’s Home Improvement Consumer Protection Act. The law requires written contracts for all home improvement work exceeding $500.

Local Licensing Variations

Many Pennsylvania municipalities have their own licensing requirements for contractors. Cities like Philadelphia and Pittsburgh have specific contractor registration and licensing requirements. Some jurisdictions require bonds, insurance verification, or business licenses. The requirements can vary significantly from one municipality to another, so contractors must research the specific requirements for each location where they work.

Insurance Best Practices

Although Pennsylvania doesn’t mandate specific insurance minimums at the state level, maintaining adequate coverage is crucial. Most successful roofing contractors in Pennsylvania carry at least $1 million in general liability coverage, workers’ compensation insurance for all employees, and commercial auto insurance for business vehicles.

Professional Associations

Pennsylvania contractors can benefit from membership in professional organizations like the North East Roofing Contractors Association (NERCA), which provides education, networking, and credibility even in the absence of state licensing requirements.

Essential Insurance Types for Every Roofing Contractor

Regardless of your state’s specific requirements, every roofing contractor should maintain several core types of insurance coverage to protect their business adequately.

General Liability Insurance

General liability insurance is the foundation of any contractor’s insurance program. This coverage protects your business if you or your employees accidentally damage someone’s property or cause bodily injury to a third party. For roofing contractors, this might include scenarios like accidentally dropping tools or materials that damage property below, causing water damage due to incomplete work, or a passerby being injured by falling debris.

Most roofing contractors should carry at least $1 million per occurrence and $2 million aggregate in general liability coverage. Contractors working on larger commercial projects often need higher limits, sometimes $5 million or more, depending on contract requirements.

Workers’ Compensation Insurance

Workers’ compensation insurance is legally required in most states for businesses with employees. This coverage pays for medical expenses and lost wages if an employee is injured on the job. Given that roofing consistently ranks among the most dangerous professions in America, workers’ compensation is particularly crucial for roofing contractors.

Even in states where workers’ compensation is technically optional (like Texas), carrying this coverage protects both your employees and your business from devastating financial consequences of workplace injuries.

Commercial Auto Insurance

If your roofing business owns or regularly uses vehicles for work purposes, commercial auto insurance is essential. This coverage protects your business if a company vehicle is involved in an accident, covering medical expenses, property damage, and legal costs. Personal auto policies typically exclude coverage for business use, leaving contractors exposed to significant liability.

Tools and Equipment Coverage

Roofing contractors invest substantial capital in specialized tools and equipment. Tools and equipment insurance (also called inland marine coverage) protects these assets from theft, loss, or damage while on job sites or in transit. This coverage is particularly valuable for roofing contractors who transport equipment to different locations regularly.

Builder’s Risk Insurance

For larger commercial projects, builder’s risk insurance protects the project itself during construction. This coverage pays for damage to materials, structures, and equipment on the job site caused by covered perils like fire, wind, theft, or vandalism.

The True Cost of Non-Compliance: Why Cutting Corners Isn’t Worth It

The stories of Mountain Peak Roofing and Coastal Roofing Solutions illustrate the devastating consequences of inadequate insurance coverage and poor bond management. But these are far from isolated incidents. Every year, hundreds of roofing contractors face business failure, personal bankruptcy, and legal consequences because they tried to save money by cutting insurance corners or misunderstanding their bonding obligations.

Financial Consequences

The immediate financial impact of operating without proper coverage can be catastrophic. A single liability claim can exceed hundreds of thousands of dollars. Medical costs for a workplace injury can quickly reach six figures. Property damage from an incomplete or improperly executed roofing project can destroy years of profit.

But the financial consequences extend beyond individual claims. Operating without required licenses, insurance, or bonds can result in:

• Fines and penalties from state licensing boards
• Suspension or revocation of contractor licenses
• Inability to obtain building permits
• Contract cancellations
• Exclusion from bidding on commercial and government projects
• Personal liability for business debts
• Increased insurance premiums in the future due to coverage gaps
• Criminal charges in some jurisdictions

Reputational Damage

In the age of online reviews and social media, reputational damage can be even more devastating than financial consequences. Clients who discover that their contractor isn’t properly licensed, insured, or bonded often share their experiences widely. One negative incident can destroy decades of goodwill and make it nearly impossible to attract new customers.

Legal Liability

Operating without proper insurance or licensing doesn’t eliminate your legal liability—it actually increases it. When contractors cause damage or injury without insurance coverage, they remain personally liable for all damages. This can lead to personal bankruptcy, wage garnishment, and liens on personal property including homes and vehicles.

Best Practices for Maintaining Compliance Across Multiple States

For roofing contractors who work in multiple states, maintaining compliance with varying requirements can be challenging. Here are some best practices to help manage this complexity:

Create a Compliance Checklist

Develop a detailed checklist for each state where you operate, documenting specific licensing, insurance, and bonding requirements. Review and update this checklist annually, as requirements can change. Assign someone in your organization responsibility for monitoring compliance deadlines and renewal dates.

Maintain Higher Coverage Than Minimum Requirements

Rather than trying to meet the minimum requirements in each state, consider maintaining insurance coverage that exceeds the highest requirements of any state where you work. This approach simplifies your insurance program and ensures you’re never underinsured. Many contractors find that carrying $2 million in general liability coverage as a standard policy provides adequate protection across all states and for most commercial projects.

Work with a Specialized Insurance Agent

Partner with an insurance agency that specializes in construction and roofing contractors. These specialists understand the unique risks roofing contractors face and can help structure a comprehensive insurance program that meets multi-state requirements efficiently. At FCIS Group, we specialize in helping roofing contractors navigate the complex landscape of insurance requirements across different states and project types.

Maintain Detailed Records

Keep meticulous records of all licenses, insurance certificates, bonds, and renewal dates. Create a system for tracking these documents and set reminders for renewal dates well in advance of expiration. Most licensing boards and insurance companies will send renewal notices, but having your own tracking system provides an extra layer of protection against lapses.

Stay Informed About Regulatory Changes

Regulatory requirements change regularly. Subscribe to updates from state licensing boards, join professional roofing associations, and maintain relationships with other contractors to stay informed about requirement changes. Many state licensing boards offer email newsletters or alerts about regulatory changes.

Budget Appropriately

Factor the costs of licensing, insurance, and bonding into your business budget and project bids. These aren’t optional expenses—they’re fundamental business costs that should be built into your pricing structure. Contractors who try to compete by cutting these corners inevitably face problems that cost far more than the premiums they saved.

Conclusion: Protection Through Proper Preparation

The roofing industry presents unique challenges and risks. Working at heights, dealing with weather exposure, handling heavy materials, and assuming responsibility for protecting structures from water intrusion creates a perfect storm of potential liability. But with proper licensing, adequate insurance coverage, and appropriate bonding, roofing contractors can protect their businesses while building successful, sustainable companies.

The cautionary tales of Mountain Peak Roofing and Coastal Roofing Solutions serve as powerful reminders that cutting corners on insurance and bonding isn’t a money-saving strategy—it’s a recipe for disaster. The relatively modest cost of proper coverage pales in comparison to the catastrophic consequences of operating without it.

Whether you’re just starting a roofing business or you’re an established contractor expanding into new states, understanding and complying with licensing, insurance, and bonding requirements isn’t just about following the law. It’s about protecting everything you’ve worked to build and ensuring you can continue serving customers for years to come.

At FCIS Group, we understand the unique challenges facing roofing contractors. Our specialists can help you navigate the complex requirements across multiple states, structure a comprehensive insurance program tailored to your specific needs, and ensure you have the protection necessary to grow your business with confidence. Whether you need roofing contractor insurance, general liability coverage, or comprehensive protection for your contracting business, we’re here to help you understand your options and make informed decisions.

Don’t wait until you face a claim to discover you don’t have adequate coverage. Take the time now to review your current insurance and bonding status, ensure you meet all licensing requirements in states where you operate, and work with a qualified insurance professional to build a comprehensive protection program. Your business—and your financial future—depend on it.

About CVI: CVI specializes in providing comprehensive insurance solutions for contractors, including roofing contractor insurance, general liability coverage, and general contractor insurance programs. Our experienced team understands the unique challenges facing roofing professionals and can help you build a customized insurance program that protects your business across multiple states and project types. Contact us today to learn more about how we can help protect your roofing business.

Disclaimer: This blog post provides general information about insurance and bonding requirements for roofing contractors and is current as of October 2025. Requirements vary by state and can change over time. Always verify current requirements with the appropriate state licensing board or regulatory agency before making business decisions. This article is not legal or professional advice and should not be relied upon as such. Consult with qualified insurance professionals and legal advisors for guidance specific to your situation.