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Texas Roofer Insurance Coverage
🛠 Raise the Roof. Minimize the Risk. Dominate the Market.
From hail-beaten rooftops in Dallas to blazing sun in El Paso, Texas roofing is a battle between heat, heights, wind, and insurance claims — all under a sky that can turn hostile in seconds.
You need ironclad protection that understands what Texas roofing contractors face daily — from strict licensing requirements to storm-chasing lawsuits and subcontractor liabilities.
At WorkersInsurance.com, we arm residential roofers, commercial firms, solar-integrated contractors, and storm restoration crews with bulletproof coverage — tailored to Texas law, TX Department of Insurance standards, and real jobsite risk.
🧠 Serving GCs, subcontractors, solar roofers, startup companies, multi-crew teams, and seasoned storm response pros across the state.
⚡️ We don’t just write policies — we engineer fortress-level protection around what keeps your business standing.
PROTECT YOUR Plumbing Business WITH WORKERS' INSURANCE
🔌 General Liability Insurance for Plumbers
Covers third-party injuries, property damage, or legal claims arising from plumbing work. If a client’s home floods due to a burst pipe after installation, or a tenant slips on a wet floor during service, General Liability pays for medical bills, repair costs, and legal defense.
Texas Focus: Many commercial contracts in Houston, Dallas–Fort Worth, and Austin require $1M+ GL coverage to even step on-site. Whether unclogging drains, installing water heaters, or re-piping an apartment complex, proof of liability is your golden ticket to securing high-value projects.
🦺 Workers’ Compensation Insurance
Protects your employees — from apprentices to licensed journeymen — if they’re injured on the job. Covers medical care, lost wages, and rehabilitation.
Texas Law: Private employers are not legally required to carry Workers’ Comp, but many general contractors, municipal contracts, and larger projects demand it as a hiring condition. Opting in also shields you from expensive lawsuits by providing exclusive remedy protections.
🚚 Commercial Auto Insurance
Personal auto policies won’t cover your service vans or trucks loaded with copper pipes, fittings, and water heaters. Commercial Auto covers liability, collision, theft, and damage when transporting crew and materials.
Texas Reality: With service calls spanning sprawling metro areas and rural highways, plumbers face constant exposure to road accidents. Proper Commercial Auto keeps your fleet — from small vans to full-size box trucks — financially secure statewide.
🧰 Tools & Equipment Insurance
Protects your pipe threaders, inspection cameras, hydro-jetters, torches, and wrenches against theft, loss, or damage, whether at a shop, job site, or in transit.
Why It Matters in Texas: Tool theft is rampant in large metro areas and unsecured staging yards. A stolen $10K hydro-jetter could halt weeks of scheduled jobs. This coverage ensures you replace gear fast and keep crews moving.
🏗️ Inland Marine Insurance
Covers plumbing equipment, tools, and materials in transit or stored away from your headquarters.
Example: You’re delivering thousands in copper piping and fittings for a high-rise project in Austin, and they’re stolen overnight from a locked trailer. Inland Marine pays the claim, preventing cash flow shocks and project delays.
🛡️ Professional Liability Insurance (Errors & Omissions)
Protects against claims of mistakes or negligence — such as faulty installation, code violations, or water damage from improper fittings — that cause financial loss for clients.
Texas Note: Frequently required on government bids, hospital contracts, and major commercial builds, especially where plumbing designs integrate with fire suppression or medical gas systems.
🔑 License & Permit Bonds
Required by many Texas cities and municipalities before plumbing permits are issued. These bonds guarantee compliance with local codes and protect the public from contractor misconduct.
Important: Bond amounts range from $5,000 in smaller towns to $25,000+ in metro areas like Houston, San Antonio, and Dallas, depending on the scope of work.
⚡ Cyber Liability Insurance (Optional but Growing Need)
Shields your business if digital files, client records, or payment systems are hacked. As plumbing companies move toward online scheduling, invoicing, and digital blueprints, cyber liability is increasingly relevant in Texas.
Texas Roofer Insurance Overview
🔹 What Insurance Does a Texas Roofing Company Need?
To land jobs, protect your workers, and stay legally covered, you’ll need this minimum core suite:
✅ General Liability Insurance
Covers bodily injury, falling debris, and third-party property damage. Essential for every bid, permit, and GC relationship.
(Texas roofers typically carry $1M/$2M coverage.)
✅ Roofing Contractor Bond (Optional But Critical)
While Texas doesn’t require a license statewide, many cities like Houston, San Antonio, and Austin do — and that means city-level bonds and documentation.
✅ Commercial Auto Insurance
Personal auto policies won’t cover your roofing trucks, trailers, and transport. One jobsite fender-bender can put you out of business without proper coverage.
✅ Tools & Equipment (Inland Marine)
Nailers, ladders, safety harnesses, compressors — if it’s in your van or on your trailer, it’s vulnerable to theft or damage. Inland Marine ensures fast recovery.
✅ Workers’ Compensation OR Occupational Accident + Employer’s Liability
Texas allows you to opt out of Workers’ Comp — but you’re still liable if a worker gets hurt. Without solid OCAC or Comp coverage, one injury can bankrupt you.
✅ Excess Liability / Umbrella Coverage
Required for high-value projects and commercial contracts. Umbrella policies help cover claims that exceed your GL limits.
✅ Pollution Liability (Torch & Chemical Adhesives)
Covers liability for fire, fumes, or hazardous cleanup — especially important for hot mop, torch-down, or spray foam applications.
This isn’t off-the-shelf insurance.
It’s project-ready, permit-cleared, and tailored to Texas roofing laws and GC expectations.
🔒 Pro Tip: Smart Coverage for Elite Business Owners — Bundle & Save Without Cutting Protection
🔹 As You Scale, So Does Your Coverage
Growing your operation? Your insurance must grow in stride.
We upgrade your policy to support:
- Installation Floaters – Covers tile, underlayment, or solar panels stored on-site before installation.
- Business Interruption – Income replacement if a fire, injury, or lawsuit halts your operations.
- EPLI (Employment Practices Liability Insurance) – Shields you from lawsuits over wrongful termination, wage disputes, or discrimination claims.
- Cyber Liability – If you store bids, contracts, or payment info digitally, this coverage is your digital hard hat.
- Hired & Non-Owned Auto – Protects you when employees use personal vehicles for business errands or supply runs.
We insure your ambition, not just your current size.
💡 Solution: We customize every policy stack based on your operation scope, structure, and risk — no bloated premiums, no missing coverages.
🔹 Real Claims Filed by Texas Roofers
📍 Hail Job Turned Lawsuit – Fort Worth:
Client sued over “fraudulent billing” after a storm restoration project. We defended the contractor and covered all legal costs — thanks to a GL policy with tight language and proper restoration rider.
📍 Roof Fire in Houston:
Torch-down materials caught flame. Client sued. Pollution Liability and General Liability teamed up to cover $317K in damages.
📍 Trailer Crash in Lubbock:
Roofing trailer detached and hit a parked car. Commercial Auto kicked in for damage, liability, and rental replacement.
📍 Jobsite Theft in Austin:
$11K in tools stolen overnight. Inland Marine paid out in 3 business days.
📍 Wage Complaint in San Antonio:
Former crew member filed a claim for overtime and meal break violations. EPLI absorbed legal defense and settlement.
💬 Even a single accident, misunderstanding with an employee or client dispute can expose you to six-figure liability without the right policy.
🧠 Why Texas Roofers Trust WorkersInsurance.com
✅ Texas Roofing Expertise
We know the licensing maze, the legal traps, and the GC expectations across Houston, Dallas, Austin, and beyond.
✅ Permit-Approved, Bid-Ready Coverage
Our policies pass inspection — on paper and in the real world.
✅ No-Nonsense Claims Protection
You won’t find vague exclusions or policies that fall apart when it matters most.
✅ Rapid Quotes. Fast Documents. Same-Day COIs.
We move as fast as Texas weather changes — so you can lock in jobs and stay protected.
🔒 With WorkersInsurance.com — you’re shielded. Let's Talk!
Priority Concerns & SOLUTIONS
✅ “I just got licensed — what insurance do I need to legally start roofing in Texas?”
In Texas, licensing may not be mandatory statewide, but carrying the right insurance is the true badge of legitimacy. To work with major general contractors, get accepted by HOAs, and win municipal bids, you need a full-spectrum risk profile that includes:
- $1M/$2M General Liability Insurance (minimum for jobsite access)
- Commercial Auto Insurance (required for any business-use vehicles)
- Workers’ Compensation or Occupational Accident Coverage (strongly advised — especially in high-risk trades like roofing)
- Tools & Equipment (Inland Marine) coverage for ladders, nailers, compressors, and gear
- Umbrella or Excess Liability (often required for larger projects or subcontractor status)
💣 Here’s the Risk:
Without the right protection, you could face:
- Lost bids or project disqualification
- Full financial exposure for injuries or property damage
- Denied permits and project delays
- Reputational damage in a tightly connected contractor market
🛡️ Solution:
Our Texas Roofer Starter Bundle checks every box from suburban residential repairs to multimillion-dollar commercial builds. We issue Texas-ready COIs fast — with exact project verbiage and all required endorsements — so you’re cleared to build anywhere from Houston to El Paso.
✅ “My GC, city inspector, or HOA wants a very specific COI with all kinds of custom language."
In cities like Austin, Dallas, and San Antonio, roofing jobs get stalled over poorly worded COIs. Many require:
- Additional Insured endorsements (CG 20 10 & CG 20 37)
- Waiver of Subrogation clauses
- Primary & Non-Contributory language
- Jobsite-specific addresses or permit numbers
💣 Here’s the Risk:
Delays or non-compliance can lead to:
- Jobsite denial or removal
- Delayed draws or withheld payment
- Contract termination by the GC
- Failed inspections or rework orders
🛡️ Solution:
We provide contract-specific COIs in hours — not days. Whether you’re re-roofing a Plano shopping center or installing tile roofs on new builds in San Antonio, our team ensures your documentation aligns word-for-word with project specs.
✅ “Someone broke into my trailer and stole my tools — my insurance won’t cover it!”
A painful reality for Texas roofers: General Liability insurance does not cover your tools. Coverage for your compressors, ladders, nail guns, and safety harnesses comes through Inland Marine insurance — which must be added separately.
💣 Here’s the Risk:
- $10K–$50K+ in stolen tools and delayed work
- Missed deadlines and damaged client relationships
- Financial scrambling to replace essentials
- Non-compliance with OSHA if safety gear is missing
🛡️ Solution:
Our policies automatically quote Inland Marine coverage, with theft protection from jobsite to trailer to overnight storage. Whether you’re parking on rural roads or downtown job lots, we ensure your livelihood is never left unprotected.
✅ “I don’t have employees — just a few 1099 roofers. Do I still need Workers’ Comp in Texas?”
While Texas doesn’t mandate Workers’ Comp for private employers, roofing is high-risk — and many GCs, insurance adjusters, and municipalities require it regardless. If a 1099 subcontractor is injured and your policy lacks the right coverage, you could be treated as the employer in court.
💣 Here’s the Risk:
- Legal liability for subcontractor injuries
- Contract denial or removal from jobsite
- Higher risk of audits, fines, and lawsuits
- Barriers to hiring skilled roofers who expect protection
🛡️ Solution:
We tailor your approach based on your structure. Depending on your setup, we offer:
- True Workers’ Comp for full compliance
- Occupational Accident with Contingent Liability for 1099 protection
- Custom subcontractor vetting support to protect against misclassification
✅ “I had a claim — now my insurance is sky-high, or no one will write me at all.”
Texas roofers face some of the highest claim severity in the state — especially during storm season. One injury, one leak, or one vehicle accident can exile you from the preferred market and lock you into costly surplus lines policies.
💣 Here’s the Risk:
- Coverage cancellations or non-renewals
- 2x–4x higher premiums
- Difficulty securing projects that require admitted carriers
- Exposure to lawsuit payouts if underinsured
🛡️ Solution:
We’re not afraid of loss history. We specialize in market rehabilitation, including:
- Crafting loss control narratives for underwriters
- Redefining your classification and risk profile
- Helping implement jobsite safety protocols
- Matching you with carriers that understand Texas roofing realities
Even after a rough patch, we help you climb back to a place of strength.
🧠 You’re not defined by one bad year — and your insurance shouldn’t act like you are.
✅ “My roofing business is growing fast — How do I make sure my coverage keeps up?”
Scaling your operation without scaling your insurance is a common blind spot. Texas roofing companies expanding across Houston, the Hill Country, or North Texas often forget to update key exposures. Growth triggers include:
- Hiring additional labor
- Adding new work trucks or trailers
- Subcontracting hot tar or crane services
- Taking on higher-value contracts
💣 Here’s the Risk:
- Claims denied for undisclosed vehicles or operations
- Coverage gaps that leave you exposed mid-project
- OSHA or contractual compliance failures
- Missed bid opportunities due to low policy limits
🛡️ Solution:
We perform quarterly growth reviews and offer real-time policy adjustments so your coverage stays in sync with your momentum. We help you:
- Increase limits before big job bids
- Add vehicles and staff instantly
- Reclassify exposures to avoid underinsurance
- Stay compliant and competitive at every growth milestone
You build the business — we fortify the foundation.
🔒 Pro Tip: Let us review your contracts, unique needs, and recommend the right level.
Licensed Insurance Partners
Experience Coverage with Peace of Mind
Top Rated Licensed Insurance Partners for Contractors, Truckers, Tradesmen and Business Owners
WorkersInsurance.com proudly partners with America's most trusted MGAs and carriers to ensure every Client gets fast, fair, and fully compliant coverage.
Not locked into one carrier — we shop the best deal based on your risk class and payroll.
Why Choose WorkersInsurance.com?
Because you don’t need a maze of forms, confusing laws, or sketchy salespeople. You need:
- Fast, compliant coverage from experienced agents
- Sean Belding is licensed in CA, TX, & AZ
- Licensed partners in all 50 states
- Specialized knowledge for your industry
- Real-time quotes with no obligation
- Support you can trust
WorkersInsurance.com helps to craft elite policies—we are also able to connect you with handpicked, A+ Top-Rated, US-based experts.
But more importantly, we filter out the fluff and only connect you with our licensed, reputable professionals who know how to get you covered—fast.