Business insurance • Arizona roofing contractors
Arizona Roofing Contractor Insurance: ROC Licensing, Bonds, and Coverage
Arizona roofers are licensed by the Registrar of Contractors (ROC) as R-42 (residential), C-42 (commercial), or CR-42 (both), and must post a license bond. The ROC does not set a statewide general liability minimum, but employers must carry workers’ compensation, and most clients require liability coverage.
This guide covers Arizona roofing licenses, bonds, required coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Arizona, and a licensed agent can compare quotes for your roofing business.
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Arizona roofing licenses and bonds
| Class | Covers |
|---|---|
| R-42 | Residential roofing |
| C-42 | Commercial roofing |
| CR-42 | Residential and commercial roofing |
Each license requires a license bond, with the amount based on classification and annual volume. See our Arizona contractor license bond guide for amounts. Sources: Contractor License Requirements (Arizona roofing guide), NEXT Insurance.
Required and expected coverage
The ROC does not list a statewide general liability minimum for roofing, but project owners, general contractors, and lenders usually require it. Arizona employers must provide workers’ compensation for their employees (NEXT Insurance).
- General liability: third-party injuries and property damage, such as a dropped bundle that damages a car or a leak that ruins a homeowner’s ceiling.
- Workers’ compensation: medical bills and lost wages if a crew member is hurt, including falls.
- Commercial auto: trucks and trailers used to haul crews, materials, and debris.
- Tools and equipment (inland marine): ladders, nail guns, and compressors on job sites or in transit.
- Commercial umbrella: extra liability limits on top of general liability and auto, often required on commercial jobs.
What Arizona roofers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $317 | $3,808 |
| Workers’ compensation | $175 | $2,101 |
| Commercial auto | $268 | $3,212 |
| Business owner’s policy | $125 | $1,503 |
| Tools and equipment | $42 | $505 |
| Commercial umbrella | $93 | $1,111 |
Median costs for roofing contractors who quoted through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, roof types, height, claims history, and location.
Arizona roofing insurance FAQs
Do Arizona roofers need insurance?
Employers must carry workers’ compensation. The ROC does not set a general liability minimum, but most clients require it.
What license do Arizona roofers need?
An ROC license: R-42 for residential, C-42 for commercial, or CR-42 for both.
Do Arizona roofers need a bond?
Yes. Every ROC license requires a license bond based on classification and volume.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
Tell us about your Arizona roofing business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
