Business insurance • South Carolina roofing contractors
South Carolina Roofing Contractor Insurance: Registration, Bonds, and Workers’ Comp
South Carolina residential roofers register with the Residential Builders Commission as specialty contractors for jobs over $500, and post a $5,000 bond once a job exceeds $5,000. Commercial roofing over $10,000 needs a Contractor’s Licensing Board license. Employers with four or more workers must carry workers’ compensation.
This guide covers South Carolina roofing registration and licensing, bonds, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in South Carolina, and a licensed agent can compare quotes for your roofing business.
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South Carolina roofing registration and licensing
| Work | Requirement | Detail |
|---|---|---|
| Residential roofing over $500 | Residential Specialty Contractor registration | $100 application fee; up to three trade classifications |
| Residential jobs over $5,000 | $5,000 surety bond | Kept while registered |
| Commercial over $10,000 | Contractor’s Licensing Board license | Roofing technical exam classification |
Sources: SC Residential Builders Commission, Contractor License Requirements (South Carolina roofing guide).
See our South Carolina contractor license bond guide for commercial license bonds.
South Carolina workers’ compensation
Employers that regularly have four or more workers, full-time or part-time, must carry workers’ compensation. Employers with a total annual payroll under $3,000 are exempt (SC Workers’ Compensation Commission).
Coverage most South Carolina roofers carry
- 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 South Carolina 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.
South Carolina roofing insurance FAQs
Do South Carolina roofers need a license?
Residential roofers register as specialty contractors for jobs over $500. Commercial roofing over $10,000 needs a Contractor’s Licensing Board license.
Do South Carolina roofers need a bond?
Registered residential specialty contractors post a $5,000 bond once a job exceeds $5,000.
Do South Carolina roofers need workers’ comp?
Employers that regularly have four or more workers must carry it.
Related guides
Important information
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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
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