Business insurance • West Virginia roofing contractors
West Virginia Roofing Contractor Insurance: Licensing and Workers’ Comp
West Virginia requires a state contractor license when a job costs $5,000 or more for residential work or $25,000 or more for commercial work. Roofing is not a standalone class, so most residential roofers use the residential classification. All West Virginia employers must carry workers’ compensation.
This guide covers West Virginia roofing licenses, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in West Virginia, and a licensed agent can compare quotes for your roofing business.
Request a West Virginia roofing insurance quote
Tell us about your roofing business and crew, and a licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00, or email info@blakeinsurancegroup.com.
Prefer to quote online yourself?
Start a business insurance quote online with one of our partners, without waiting for a call back.
Get a quote from ERGO NEXT →General liability, workers’ compensation, business owner’s policies, professional liability, and commercial auto.
Start an application with First Connect →Quotes from multiple insurance carriers through our First Connect portal.
Sponsored. Each link opens the partner’s website in a new tab, where its terms and privacy policy apply. Blake Insurance Group may be compensated if you buy.
West Virginia contractor licensing
- The state contractor licensing act applies when a job costs $5,000 or more for residential work or $25,000 or more for commercial work (Contractor License Requirements (West Virginia roofing guide)).
- Roofing is not a standalone class, so applicants choose the classification that fits, commonly residential.
- No statewide general liability minimum or license bond applies, but the Board requires applicants to certify workers’ comp compliance (Contractor License Requirements (West Virginia roofing guide)).
West Virginia workers’ compensation
All West Virginia employers are required by law to maintain workers’ compensation coverage (West Virginia Business). Prime contractors should also collect coverage certificates from their roofing subcontractors.
Coverage most West 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 West 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.
West Virginia roofing insurance FAQs
Do West Virginia roofers need a license?
Yes, for residential jobs of $5,000 or more or commercial jobs of $25,000 or more.
Does West Virginia require general liability for roofers?
There is no statewide minimum, but most clients and general contractors require it.
Do West Virginia roofers need workers’ comp?
Yes. All West Virginia employers must carry it.
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 West Virginia roofing business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
