Get Cheap, Reliable Roofing Insurance in Nevada: Fast and Easy!
At Contractors Liability®, we offer the cheapest roofing insurance policies for contractors in Las Vegas and across Nevada. From General Liability to Workers’ Compensation, Commercial Auto, Inland Marine, and Commercial Umbrella coverage, we have what your roofing business needs at the lowest cost. Call (888) 766-4991 or get a free quote online today.
Las Vegas builds fast. New housing developments, hotel overhauls, commercial construction, and high-rise projects keep roofing contractors working year-round in the valley. That volume of work comes with exposure that most other cities don’t see at the same scale, 110-degree summers, high UV, and wind events that create real job site hazards.
One accident without coverage can cost more than a year’s profit. Nevada requires general liability for contractor licensing, workers’ comp the moment you put someone on payroll, and commercial auto for any vehicle used on the job. Beyond the legal requirements, most commercial clients in Las Vegas won’t sign a contract with an uninsured roofer.
The coverage types roofing contractors in Las Vegas typically carry:
General liability covers third-party bodily injury, property damage, and advertising injury. If a visitor gets hurt on your job site, or your crew cracks a client’s skylight during a tear-off, the policy pays. Without it, you’re writing that check yourself.
A standard policy runs $1 million per occurrence with a $2 million aggregate. For most roofing contractors in Las Vegas, that comes to about $2,800 a year. Projects that involve multi-story buildings or commercial properties will push that number up.
These exclusions aren’t fixed. At Contractors Liability®, we can add endorsements to cover most of them. Talk to one of our agents about what your jobs actually look like and we’ll build the policy around that.
Nevada requires workers’ comp for any business with employees. One person on payroll is enough to trigger the requirement.
Falls are the leading cause of construction fatalities nationally, and in Las Vegas you add heat to that equation. Summers regularly hit 110 degrees or higher, and heat stroke on a roof is not a hypothetical. Workers’ comp covers medical bills, lost wages, and long-term disability if the injury keeps someone out of work. In a fatal accident, the worker’s family receives death benefits.
Premiums are calculated on payroll and job classification. Roofing is one of the higher-rated trades, around $30 per $100 of payroll. An office employee by comparison might pay $0.30. A clean claims history brings that rate down over time.
If you run on subcontractors instead of employees, a Ghost Policy or If-Any Policy covers any 1099 subs who don’t carry their own insurance. It also helps you qualify for commercial contracts that require proof of coverage. These policies average around $1,500 a year.
Any vehicle used to get to job sites, haul materials, or carry tools needs commercial auto coverage. Your personal policy excludes business use, and in Nevada, operating a business vehicle without commercial auto is a legal violation.
The policy covers collision damage, at-fault accident liability, medical payments for the driver and passengers, and uninsured motorist protection. Las Vegas has heavy freeway traffic and an above-average number of construction zones, both of which increase accident exposure.
| Policy Limit | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| $1 Million | $125 | $1,500 |
The final number depends on how many vehicles you have, what type they are, and the driving records of everyone behind the wheel. It’s also a deductible business expense.
General liability and commercial property policies cover equipment at a fixed address. Inland marine covers it everywhere else, in transit, on a job site, in a storage unit. If your tools are stolen off a site in Henderson or lost in a freeway accident on I-15, inland marine pays for the replacement.
For roofers who move between sites daily, this is a straightforward gap in standard coverage. A full set of roofing tools and equipment isn’t cheap to replace, and being without it means your crew sits.
| Coverage | Average Annual Cost | Deductible |
|---|---|---|
| $100,000 | $800 | $1,000 |
| Minimum premium | $500 | — |
Every policy has a limit. When a claim goes over that limit, the difference comes out of your business. Commercial umbrella coverage sits above your general liability and commercial auto policies and pays what they don’t.
This isn’t the same as excess liability insurance, which only extends one specific policy. Umbrella coverage applies across multiple underlying policies. Nevada juries have returned multi-million dollar verdicts in construction injury cases. For a roofing contractor running a crew on commercial projects, umbrella coverage is a low-cost way to avoid that kind of exposure.
Contractors Liability® works with A-rated carriers to find you the lowest rates on roofing insurance in Nevada. We compare options across carriers so you don’t have to.
Call (888) 766-4991, email [email protected], or click for a free quote. We’re available 24/7.
General liability is required to get a contractor’s license. Workers’ comp is required as soon as you have employees. Commercial auto is required for any vehicle used for business.
General liability runs about $2,800 a year for most roofing contractors. Workers’ comp, commercial auto, and inland marine are priced separately based on your payroll, number of vehicles, and equipment value.
Third-party bodily injury, property damage, and advertising injury. It does not cover your employees (workers’ comp handles that) or your own property and equipment.
Not by default. If a sub doesn’t carry their own insurance and doesn’t name you as an additional insured, you have exposure. A Ghost Policy or If-Any Policy closes that gap. Call us and we’ll walk you through how to set it up.
