Arizona Roofing Contractor Insurance
General liability, workers' comp and ROC bonds for Arizona roofers, placed through Bearstar Insurance Services and its licensed producers with carriers that write roofing. Same-day certificates of insurance. Call (949) 868-7350.
How Much Does Roofing Contractor Insurance Cost in Arizona?
Roofing is priced on the work you do, not just the trade name. Your general liability price depends on residential or commercial work, repairs or new roofs, the systems you install (tile, shingle, foam or torch-down), your annual sales, payroll and claims history. Send us those details and we’ll quote carriers that actually want Arizona roofing business.
Need your ROC license bond? We quote bonds instantly and send your certificate the same day. Call (949) 868-7350.
What Insurance Does an Arizona Roofer Need for an ROC License?
Arizona roofers are licensed by the Registrar of Contractors (ROC) under the R-42 (residential), C-42 (commercial) or CR-42 (dual) roofing classification. Every license needs a bond: residential specialty bonds are $4,250 or $7,500 depending on annual volume, and commercial specialty bonds start at $2,500 and rise with volume. The ROC doesn’t require general liability for the license, but general contractors, HOAs and property managers almost always require $1M per occurrence / $2M aggregate.
Roofing is one of the hardest trades to insure. Many standard carriers won’t write it, and many roofing policies come with height limits, hot-work or spray-foam exclusions, or new-construction exclusions that a contractor doesn’t find until a claim is denied. The Hard Hat Insurance team, the marketing division of Bearstar Insurance Services, places Arizona roofers through Bearstar and its licensed producers with carriers that want roofing business, and reads the exclusions before you sign. Whether you lay tile in Scottsdale, spray foam on flat roofs in Phoenix or repair monsoon damage in Tucson, we match your coverage to your GC’s certificate requirements.
Commercial General Liability
Roofing General Liability
General liability pays when your work damages property or injures someone who isn’t your employee. For roofers, the most common claims are interior water damage while a roof is open during monsoon season, falling tile and materials, and leaks that show up after the job is finished. That’s why completed operations coverage matters as much as coverage during the job.
Coverage for tile, shingle, foam and low-slope work.
Additional insured, waiver of subrogation and primary/non-contributory wording when your GC requires it.
Surety Bonds
Arizona ROC License Bond
Every Arizona roofing contractor must keep a license bond on file with the ROC, and the amount depends on your classification and annual volume. We can often issue ROC bonds the same day, with a quick quote and no long application.
Bad credit programs available.
Bonds for R-42, C-42 and CR-42 licenses.
Arizona roofers are rated under class code 5551, one of the most expensive classifications, so getting the classification right is the biggest lever on your premium. Office staff (8810) and outside sales or estimators (8742) should be reported separately. We compare CopperPoint with private carriers that write roofing. Uninsured subcontractors can end up on your payroll at audit, so collect their certificates before they start.
Pay-as-you-go options available (helps cash flow).
Waivers of subrogation for commercial contracts.
Workers' Compensation
What We Cover
Commercial Auto
Work Truck & Fleet
Your personal auto policy may not cover an accident in a truck used for work, especially one hauling a trailer, ladders or a load of tile. Commercial auto covers your work trucks, trailers and the drivers you hire, with higher limits when a contract calls for them.
Builders Risk
Builders Risk (Course of Construction)
Protect a new home or re-roof project from fire, monsoon wind and hail, water damage and theft of materials. Sample 12-month premium in Phoenix: about $528 for a $300,000 home, plus fees.
Covers materials on-site and in transit.
Required by most lenders for new construction and remodels.
Inland Marine (Tools & Equipment): Covers theft of your generator, compressor, and hand tools from the job site or your truck.
Professional Liability: For design-build contractors and construction managers.
Excess Liability (Umbrella): When the standard $1M limit isn't enough for a big commercial contract.
And More
Local Service Area
Serving all of Arizona. We insure roofing contractors statewide.
Phoenix metro: Phoenix, Mesa, Chandler, Gilbert, Scottsdale, Glendale.
Southern & Northern: Tucson, Yuma, Flagstaff, Prescott.
Call: (949) 868-7350
Coverage placed through Bearstar Insurance Services and its licensed producers. Se habla español.
Need a COI Today?
Most GCs and property managers ask roofing subs for $1M/$2M GL with completed operations, additional insured, waiver of subrogation, primary/non-contributory wording and proof of workers' comp. Send us your GC's requirements and we'll confirm your policy meets them before you sign.
5 Roofing Exclusions That Can Leave You Uninsured
1. Height limitation
Excludes work above a set height, often two or three stories. A problem if you take on apartments or commercial buildings.
2. Hot work, torch-down or foam exclusion
Excludes torch-applied membranes, hot asphalt or spray polyurethane foam (SPF). If you do flat or low-slope roofs in Arizona, you need this covered.
3. New construction or tract housing exclusion
Excludes work on new homes or developments, which can remove a large share of a roofer's income.
4. Subcontractor and action-over exclusions
Some policies require every sub to carry their own insurance naming you as additional insured, or a claim on that job may be denied. Others exclude claims where an injured worker sues the GC, who passes the claim to you. Many GCs require that exclusion removed.
5. Interior water damage limits
Caps or excludes water damage to a building’s interior while the roof is open. During Arizona’s monsoon season, that’s one of the most common roofing claims. We review these provisions before you sign and tell you plainly what’s covered and what it would cost to fix.
Arizona Roofing Insurance FAQ
Do I need a special license to be a roofer in Arizona?
Yes. Roofers need an ROC license in a roofing classification: R-42 for residential, C-42 for commercial or CR-42 for both, plus the license bond for that classification.
Does the ROC require liability insurance for roofers?
No, the ROC doesn’t require general liability for the license itself. But most general contractors, HOAs and property managers require $1M per occurrence / $2M aggregate with completed operations before you start.
Do I need workers’ comp if I work alone?
Arizona requires workers’ comp once you have employees. A sole proprietor with no employees usually isn’t required to cover themselves, but many GCs still ask for a policy, and uninsured subcontractors can be counted as your employees.
Can I get insurance if I've had claims or I'm a new business?
Usually, yes. We work with specialty carriers that write new roofing companies and roofers with prior claims, though pricing and terms vary.
Does my GL policy cover a roof that leaks after the job?
Only if your policy includes completed operations coverage and the damage isn't excluded. The repair of your own faulty work is usually not covered, but resulting damage to the building's interior often is.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
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