Statewide Contractor Coverage · Independent Agency Support

Roofing Contractor Insurance in Texas

Review Texas roofing contractor insurance for roof types, work heights, tools and subcontractors. Discuss coverage and contracts with Insurance Plus.

Get a Contractor Quote Call 214-351-4097

Serving Texas since 1997 • Licensed independent insurance agency • Direct quote support

Accepted Payment Methods

Major credit cards and EFT/ACH may be accepted depending on provider eligibility, down payment rules, billing plan, and policy type.

VISA AMEX DISC ACH EFT

Payment plans, down payments, premium financing, and automatic payment choices vary by provider and policy.

Statewide Coverage Review

Review Coverage for Your Trade

Include residential and commercial work, repairs, replacement, new construction and your maximum working height. Describe shingle, metal, tile and flat-roof systems, as well as any torch-applied, hot asphalt or other hot-work methods. Explain whether you perform waterproofing, structural work, solar-related work or services beyond roofing. An insurer needs an accurate description of the operations to consider.

Operations and completed-operations review
Tools, equipment and business vehicles
Employee and subcontractor exposures
Customer contracts and certificate requirements

Ready to Review Your Coverage?

Share your operations, revenue, payroll, subcontractor use and requested limits. Include any written insurance requirements or certificate deadline.

Get a Contractor Quote

Independent agency help • Secure online request • Statewide support

Roof types and installation methods matter

Review restrictions before accepting a job

General liability may address covered bodily injury or property damage claims arising from your operations. Roofing policies can contain restrictions involving heights, methods, subcontractors, designated work or particular causes of damage. Ask specifically about the work you perform and any limitations relevant to water intrusion or completed operations. Insurance is not a warranty of workmanship, and a certificate alone does not show every policy restriction.

Tools, trailers and equipment

Roofing equipment may include lifts, compressors, tools and materials at multiple job sites. Discuss owned and rented equipment, storage arrangements and any materials awaiting installation. Trucks and trailers require a separate auto review. If equipment is financed or leased, share the required coverage amounts and loss-payee wording rather than assuming liability insurance protects those items.

Subcontractors and employee injuries

Roofing work often involves crews or subcontractors. Explain who performs the work, your payroll, subcontractor costs and how you collect insurance certificates. General liability does not replace workers compensation or other employee injury arrangements. Contract requirements for additional insured status, completed operations or higher limits should be reviewed before the certificate deadline.

What affects your contractor insurance quote?

Your trade is only part of the picture. Insurers may consider revenue, payroll, subcontractor costs, project types, work heights, prior claims and requested limits. A growing business should update its description when it begins new operations. Provide estimates when final figures are unavailable, and let us know about a deadline so we can identify what information is still needed.

Certificates and endorsements deserve separate review

A certificate of insurance summarizes certain policy information. It does not change coverage. Additional insured status, waiver of subrogation and primary and noncontributory wording depend on the appropriate policy provisions or endorsements. Send the written requirements rather than relying on a verbal request for a certificate. Availability and any additional charge depend on the insurer and the risk.

Information to have ready

Bring a short description of your operations, estimated annual revenue and payroll, employee count, subcontractor usage and current coverage information. Explain prior claims and provide the limits requested by customers. The initial form does not need Social Security numbers or driver’s license numbers. An agent may request further underwriting information after reviewing your request.

Contractor Coverage Resources

Review coverage for your trade or return to the statewide contractor hub.

Related Texas Coverage

Review other coverage relevant to your business.

Roofing Contractor Insurance FAQ

Common questions about coverage and insurance requirements.

Should I disclose torch-applied roofing?

Yes. Include hot work, installation methods, roof types and work heights when requesting a quote.

Does a certificate prove all roofing work is covered?

No. The policy and endorsements determine coverage, including any restrictions on operations.

Can you review subcontractor requirements?

Yes. Describe how you use subcontractors and provide the relevant contract requirements for review.

Ready to Review Your Contractor Coverage?

Share your operations and coverage needs online or call our Dallas office.

Get a Quote Call 214-351-4097