Business insurance • Virginia roofing contractors
Virginia Roofing Contractor Insurance: DPOR Licensing and Workers’ Comp
Virginia roofing businesses need a contractor license from the Department of Professional and Occupational Regulation (DPOR) with the Roofing (ROC) specialty for jobs over $1,000. The license class depends on job size. DPOR sets no statewide general liability minimum, but employers with more than two employees must carry workers’ compensation.
This guide covers Virginia roofing license classes, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Virginia, and a licensed agent can compare quotes for your roofing business.
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Virginia roofing license classes
| Class | Single job size | Financial requirement |
|---|---|---|
| Class C | Over $1,000 and under $30,000 | None |
| Class B | $30,000 to under $150,000 | $15,000 net worth or Board bond form |
| Class A | $150,000 or more | $45,000 net worth or Board bond form |
Annual volume can also require a higher class. Licenses are issued to firms, and the ROC specialty needs a qualified individual who passes a Board-approved exam. Source: Contractor License Requirements (Virginia roofing guide).
See our Virginia contractor license bond guide for the bond option.
Virginia workers’ compensation
Virginia employers that regularly employ more than two employees must carry workers’ compensation, and covered subcontractors’ employees can count in the statutory employer analysis (Contractor License Requirements (Virginia roofing guide)).
Coverage most Virginia 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 Virginia 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.
Virginia roofing insurance FAQs
Do Virginia roofers need a license?
Yes. Roofing jobs over $1,000 need a DPOR contractor license with the ROC specialty.
Does Virginia require general liability for roofers?
DPOR sets no statewide minimum, but most clients, owners, and localities require it.
Do Virginia roofers need workers’ comp?
Employers that regularly employ more than two employees 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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