Texas Roofing Contractor Insurance
General liability, workers' comp and commercial auto for Texas roofers, from a licensed broker who knows how roofing gets underwritten in hail country. Same-day certificates of insurance. Call (949) 868-7350.
What Insurance Does a Texas Roofer Need?
Texas has no statewide roofing license, so the rules come from the cities you work in. Dallas requires annual contractor registration, San Antonio requires Home Improvement Contractor registration, and Austin requires registration to pull permits, and all of them want proof of general liability for permits. Most general contractors, HOAs and property managers require $1M per occurrence / $2M aggregate. Texas law also bars roofers from waiving, absorbing or rebating a customer's insurance deductible.
Hail and wind keep Texas roofers busy, and they also drive claims. The Hard Hat Insurance team, the marketing division of Bearstar Insurance Services, places Texas roofers with carriers that want roofing business and reads the exclusions before you sign. Whether you do storm work in Dallas–Fort Worth, commercial roofs in Houston, or new homes around Austin and San Antonio, we match your coverage to your contracts and your GC's certificate requirements.
Commercial General Liability
Roofing General Liability
General liability pays when your work damages property or injures someone who isn't your employee. For roofers, the most common claims are interior water damage while a roof is open, falling materials, and leaks that show up after the job is finished. That's why completed operations coverage matters as much as coverage during the job.
Limits matched to your contracts and HOA requirements.
Additional insured, waiver of subrogation and primary/non-contributory wording when your GC requires it.
Surety Bonds
Texas License & Permit Bonds
Texas has no statewide roofing license bond, but many cities, counties and public projects require license, permit or right-of-way bonds. We can often issue them the same day, with a quick quote and no long application.
Bad credit programs available.
City permit, right-of-way and performance bonds.
Texas is the only state where most private employers can choose not to carry workers' comp. Roofers who opt out lose key legal defenses if an injured worker sues, must file an annual notice with the state and tell their employees, and are shut out of public projects and most GC contracts. Roofing is rated under class code 5551, so reporting office staff (8810) and estimators (8742) separately matters. We compare private carriers, and Texas Mutual is the insurer of last resort for roofers no one else will write.
Pay-as-you-go options available (helps cash flow).
Waivers of subrogation for commercial contracts.
Workers' Compensation
What We Cover
Commercial Auto
Work Truck & Fleet
Your personal auto policy may not cover an accident in a truck used for work, especially one hauling a trailer, ladders or a load of shingles. Commercial auto covers your work trucks, trailers and the drivers you hire, with higher limits when a contract calls for them.
Builders Risk
Protect your project from fire, wind, hail and theft of materials, all common on Texas job sites. We cover the structure from the ground up until the job is signed off.
Covers materials on-site and in transit.
Required by most lenders for new construction and remodels.
Inland Marine (Tools & Equipment): Covers theft of your generator, compressor, and hand tools from the job site or your truck.
Professional Liability: For design-build contractors and construction managers.
Excess Liability (Umbrella): When the standard $1M limit isn't enough for a big commercial contract.
And More
Local Service Area
Serving all of Texas. We insure roofing contractors statewide.
North Texas: Dallas, Fort Worth, Arlington, Plano.
Central & South Texas: Houston, Austin, San Antonio, El Paso.
Call: (949) 868-7350
Jesus Galvan, licensed insurance broker, Texas license #2964780. Se habla español.
Need a COI Today?
Most GCs, HOAs and property managers ask roofing subs for $1M/$2M GL with completed operations, additional insured, waiver of subrogation, primary/non-contributory wording and proof of workers' comp. Send us your GC's requirements and we'll confirm your policy meets them before you sign.
5 Roofing Exclusions That Can Leave You Uninsured
1. Height limitation
Excludes work above a set height, often two or three stories. A problem if you take on apartments or commercial buildings.
2. Hot work / torch-down exclusion
Excludes torch-applied membranes and hot asphalt. If you do flat or low-slope roofs, you need this covered.
3. New construction or tract housing exclusion
Excludes work on new homes or developments, which can remove a large share of a roofer's income.
4. Subcontractor and action-over exclusions
Some policies require every sub to carry their own insurance naming you as additional insured, or a claim on that job may be denied. Others exclude claims where an injured worker sues the GC, who passes the claim to you. Many GCs require that exclusion removed.
5. Interior water damage limits
Caps or excludes water damage to a building's interior while the roof is open. Texas hail and wind storms make that one of the most common roofing claims. We review these provisions before you sign and tell you plainly what's covered and what it would cost to fix.
Texas Roofing Insurance FAQ
Do I need a license to be a roofer in Texas?
No. Texas has no statewide roofing license. Many cities, including Dallas, San Antonio and Austin, require contractor registration and proof of general liability to pull permits, so check each city you work in.
Do Texas roofers need workers' comp?
Most private employers in Texas can choose not to carry it, but non-subscribers lose key legal defenses if a worker sues, must notify the state and their employees, and can't work public projects. Most general contractors require proof of comp from their subs.
What do Texas cities require from roofers?
It depends on the city. Dallas requires annual contractor registration, San Antonio requires Home Improvement Contractor registration, and Austin requires registration to pull permits. Most cities want proof of general liability, and many ask for workers' comp or a no-coverage filing. We issue certificates that meet each city's requirements.
Can I get insurance if I've had claims or I'm a new business?
Usually, yes. We work with specialty carriers that write new roofing companies and roofers with prior claims, though pricing and terms vary.
How long can I be sued for a roof defect in Texas?
Usually up to 10 years after the project is substantially complete. For some residential work with qualifying written warranties, a 2023 law shortened it to 6 years. Completed operations coverage is what responds to those claims, so we make sure it's on your policy.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
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