Texas Roofer Insurance — Fast COI
General liability for roofing contractors in Texas. Roofing is a higher-hazard trade — we route most roofers to our advisor path for proper market review and accurate COI placement.
Annual policy: NEXT Insurance · Per-job: Thimble · Boerne / San Antonio: 210-640-7050
Coverage for Roofer Contractors
General Liability
Covers bodily injury and property damage to third parties caused by your work. Required on virtually every commercial job, permit pull, or GC subcontract in Texas.
Completed Operations
Protects you after the job is finished. If work you performed causes damage days or weeks later, completed operations responds. Critical for any trade work that touches occupied structures.
Additional Insureds
GCs, property owners, and municipalities will require you to add them to your policy. We handle endorsements so your COI is accepted the first time.
Waiver of Subrogation
Required on most Texas commercial contracts and government work. We add it correctly when your contract requires it.
Workers’ Comp
Required when you have employees. Covers medical bills and lost wages for workers injured on the job. GCs and commercial clients typically require proof before allowing crews on site.
Commercial Auto
Vehicles used for service calls, material hauling, or job-site transport need commercial auto coverage. Personal auto policies exclude business use.
Roofer-Specific Risk
Roofing is among the highest-liability trades for insurance carriers. Height exposure, water intrusion risk, and the potential for large completed operations claims means online binding through standard storefronts is often a poor fit. Carriers that write roofers online frequently carry exclusions that leave contractors exposed on claims. Our specialists place roofing GL with carriers that understand the trade — and get the COI wording right for your specific GC or permit requirements.
What Does Roofer Insurance Cost in Texas?
Rates rising in 2025? See what the data shows: 2025 Contractor Insurance Cost Report
Prior claims, subcontractor use, or commercial work scope may affect pricing. Monthly payment options available on most policies.
Who This Is For
Residential Roofers
New roof installs, replacements, repairs. Roofing GL is available but requires specialist placement for proper coverage and COI wording. Call or schedule for same-day turnaround on most standard residential accounts.
Storm & Hail Repair
High-volume storm work, insurance claims, and post-hail repairs. Carriers vary significantly in how they handle storm-focused operations — we know which markets fit.
Commercial Roofers
Flat roofs, TPO, EPDM, modified bitumen. Commercial roofing requires specialty markets and often higher limits. Our specialists handle commercial placement with the right carriers.
Metal & Specialty Roofing
Metal roofing, tile, slate, and specialty systems. Coverage available with the right carriers — advisor review ensures you’re not underinsured on specialty work.
How It Works
Answer Questions
Trade type, payroll, prior claims. 5 minutes for simple situations.
Get Your Quote
Instant pricing from A-rated carriers. Annual through NEXT, per-job through Thimble.
Bind & Get COI
Pay online, download your certificate the same day.
Roofing is advisor-only — call 210-640-7050 or schedule a callback. Most standard residential accounts get same-day turnaround.
Common Questions
Ready to Get Your COI?
Quote online in minutes or talk to a Texas specialist for complex situations.
Get Quote Online
Per-Job Quote (Thimble)
Talk to a Specialist
Boerne / San Antonio: 210-640-7050 · Specializing in TX contractor GL & WC since 2010