Roofing contractor insurance that keeps your crews working when the weather turns.

Coverage built for the way Texas roofers work.

Roofing contractor insurance that addresses your needs.

Roofing is some of the most demanding work in construction. Your crews work at height, carry heavy materials across finished property and open up a building to the weather every time they tear off. When something goes wrong, the claim can be large, and the property owner, general contractor or property manager will expect you to have it handled.

General liability insurance is the foundation of a roofer’s program. It responds when your operations cause bodily injury or property damage to others, such as a bundle of shingles falling onto a parked car, a customer tripping over debris, or rain getting into a home before the roof is dried in. It also pays for your legal defense if you are sued.

We also make sure your certificates hold up. Most general contractors and commercial owners ask for additional insured status, a waiver of subrogation and primary and noncontributory wording. We confirm those endorsements are on the policy before you sign the contract, so your certificates are ready when the job starts.

Coverage that fits the jobs you actually do.

No two roofing companies work the same way. Some focus on residential re-roofs, some on commercial low-slope systems, and many do both. Some use torch-applied or hot-applied systems, some work on multi-story buildings, and most rely on subcontracted crews during storm season.

We start by learning how you work, then match your policy to it: residential and commercial work, the heights and roof types you work on, the application methods you use and how you manage subcontractors. The result is a program written for the jobs you really do.

Protection beyond the basics.

Roofing claims often show up long after the job is finished, when a leak or a failed flashing causes damage months later. Completed operations coverage protects your business from those claims after the work is done.

Many commercial contracts also require higher limits than a single policy provides. A commercial umbrella or excess liability policy adds limits above your general liability, auto and employer’s liability coverage, so you can bid on larger projects with confidence.

Protect the crews who get the job done.

Falls, heat and heavy lifting make roofing one of the highest-risk trades for injuries. Workers’ compensation insurance pays for medical care and lost wages when an employee is hurt on the job, and it protects your business from many of the lawsuits that can follow.

Texas is the only state that lets private employers choose whether to carry workers’ compensation. Even so, many general contractors, property managers and commercial owners require it before your crew sets foot on the roof. We can help you weigh the options and find a policy that fits your payroll and your contracts.

Coverage that moves with you.

Your trucks, trailers and equipment are how the work gets done. Commercial auto insurance covers the vehicles your business owns, and hired and non-owned auto coverage protects you when employees use rented or personal vehicles for work.

Tools and equipment coverage (inland marine) protects ladders, nail guns, generators, lifts and other gear against theft and damage on the job site, in transit or in storage. For larger commercial projects, an installation floater can cover materials and roofing systems until the job is complete and accepted.

Storm season is your busy season.

Texas ranks as the most at-risk state in the country for hail damage, and Dallas, Houston, Austin and San Antonio all rank among the top ten metro areas nationally.* When a storm comes through, your phone rings, your crews grow and your revenue can jump in a matter of weeks.

That growth should be good news. We help you keep your policy estimates current as your business grows, add subcontracted crews the right way and line up the performance and payment bonds you need to bid on commercial and public work.

How much does roofing contractor insurance cost?

Every roofing program is priced differently. The biggest factors are your mix of residential and commercial work, your payroll and revenue, the heights and application methods you work with, how much work you subcontract, your years in business and your claims history. The best way to know is to let us compare options for you.

Don’t ignore the business side of your operation.

Your office, yard and stored materials need protection too. Commercial property insurance covers your building, inventory and equipment, and business interruption coverage helps replace lost income if a covered loss shuts you down.

As your company grows, cyber liability and employment practices liability insurance protect you from data breaches, payment fraud and employee claims that have nothing to do with the roof itself.

* Cotality, 2026 Severe Convective Storm Risk Report, as reported by the National Insurance Crime Bureau (May 2026).