THE DETAILS THAT MATTER
A serious review of above-ground risk.
Disclose repair, replacement, new construction and any torch-applied or hot-work operations.
Review roofing, height and open-roof water damage exclusions. Confirm how subcontracted work is treated.
Review workers’ compensation and CSLB obligations for your C-39 classification before considering any no-employee exemption.
Read the coverage boundaries.
Roofing or height restrictions can be material. Do not assume that a general contractor policy covers roofing merely because the business is licensed.
A common question
CSLB lists C-39 among the classifications requiring workers’ compensation or valid self-insurance even without employees. Review your license status and entity-specific circumstances.
Coverage reference: CSLB Official Guidance. Reviewed October 10, 2026. Confirm current requirements and the actual policy terms.
Jesse Denno · CA insurance license #4503208 · Updated October 10, 2026