Insurance for Texas Roofing Contractors
Let's be straight with you — roofing is one of the hardest trades to insure. Falls from heights are the leading cause of construction fatalities, and insurance carriers know it. Premiums are higher, underwriting is tighter, and a lot of agents won't even touch roofing. We're not one of those agents. We work with carriers that specialize in roofing and know how to get you covered at the best rate possible, even if you've had claims.
Key Risks
- ⚠Falls from heights — the leading cause of construction fatalities
- ⚠Property damage from dropped materials or equipment
- ⚠Damage to client property during installation or tear-off
- ⚠Employee injuries from heat exposure on Texas rooftops
- ⚠Vehicle accidents hauling materials and equipment
- ⚠Completed operations — leaks discovered after installation
Required Coverages
General Liability
Covers property damage and third-party injury claims. Required on every job site.
Workers Compensation
Critical for roofing — fall injuries are expensive. Most GCs require it.
Commercial Auto
Covers trucks, trailers, and equipment transport.
Tools and Equipment
Protects nail guns, compressors, and roofing equipment.
Job Requirements
- ✓GCs require GL and workers comp from all roofing subs
- ✓Most commercial projects require $1M/$2M GL limits
- ✓Some projects require higher limits or umbrella coverage
- ✓COIs required before work begins on any project
Frequently Asked Questions
Why is roofing insurance so expensive?
Falls from heights are the leading cause of construction fatalities. Insurance carriers price roofing higher because the risk is real and claims are frequent. We work with carriers that specialize in roofing to find the best available rates.
How much does roofing insurance cost in Texas?
GL for roofing contractors typically starts around $3,000 to $8,000 per year depending on revenue, employees, and claims history.