Business insurance • New Mexico roofing contractors
New Mexico Roofing Contractor Insurance: GS-21 License, Bond, and Coverage
New Mexico licenses roofers through the Construction Industries Division (CID) under the GS-21 Roofing classification. Applicants pass the GS-21 trade exam and the Business and Law exam, and post a $10,000 surety bond before the license is issued. CID instructions also call for workers’ compensation coverage.
This guide covers New Mexico roofing licensing, the bond, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in New Mexico, and a licensed agent can compare quotes for your roofing business.
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New Mexico roofing license
| Requirement | Detail |
|---|---|
| Classification | GS-21 Roofing |
| Exams | GS-21 Roofing exam and Business and Law exam, after CID approves experience |
| Bond | $10,000 surety bond before issuance |
| Workers’ comp | Called for in CID application instructions |
Source: Contractor License Requirements (New Mexico roofing guide). Confirm coverage obligations with CID and the Workers’ Compensation Administration.
See our New Mexico contractor license bond guide.
Coverage most New Mexico roofers carry
New Mexico publishes no statewide general liability amount for roofers, but owners, insurers, and building officials often set one (Contractor License Requirements (New Mexico roofing guide)).
- 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 New Mexico 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.
New Mexico roofing insurance FAQs
What license do New Mexico roofers need?
A CID license with the GS-21 Roofing classification.
What bond does a New Mexico roofer need?
A $10,000 surety bond before the license is issued.
Does New Mexico require general liability for roofers?
No statewide amount is published, but most clients and building officials require 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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