Business insurance • Texas roofing contractors
Texas Roofing Contractor Insurance: No State License, but Coverage Still Matters
Texas does not require a state roofing license, and most private employers can opt out of workers’ compensation. But cities such as Houston require roofer registration with proof of insurance, and the voluntary RCAT license requires $300,000 to $500,000 of general liability.
This guide covers Texas roofing rules, RCAT insurance minimums, workers’ comp choices, and typical costs. Blake Insurance Group is an independent agency licensed in Texas, and a licensed agent can compare quotes for your roofing business.
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Texas roofing rules
| Requirement | Detail |
|---|---|
| State license | None; TDLR does not regulate roofers |
| RCAT voluntary license | $300,000 CSL residential or $500,000 CSL commercial general liability |
| Workers’ comp | Required for RCAT applicants with employees; optional for most private employers |
| Cities | Houston requires registration with proof of insurance; Dallas and San Antonio require permits |
Source: Jobber (Texas roofing license guide).
Opting out of workers’ comp in Texas
Texas lets most private employers opt out of workers’ compensation by filing DWC Form-005, but nonsubscribers can face greater liability if a worker is hurt (Jobber (Texas roofing license guide)). Given roofing fall risk, weigh that choice carefully, and check whether your general contractors require proof of coverage.
Coverage most Texas roofers carry
- General liability: third-party injuries and property damage, such as a dropped bundle that damages a car or a leak that ruins a homeowner’s ceiling.
- Workers’ compensation: medical bills and lost wages if a crew member is hurt, including falls.
- Commercial auto: trucks and trailers used to haul crews, materials, and debris.
- Tools and equipment (inland marine): ladders, nail guns, and compressors on job sites or in transit.
- Commercial umbrella: extra liability limits on top of general liability and auto, often required on commercial jobs.
What Texas roofers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $317 | $3,808 |
| Workers’ compensation | $175 | $2,101 |
| Commercial auto | $268 | $3,212 |
| Business owner’s policy | $125 | $1,503 |
| Tools and equipment | $42 | $505 |
| Commercial umbrella | $93 | $1,111 |
Median costs for roofing contractors who quoted through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, roof types, height, claims history, and location.
Texas roofing insurance FAQs
Do Texas roofers need a license?
Texas has no state roofing license, but some cities require registration, and RCAT offers a voluntary license.
Is workers’ comp required for Texas roofers?
It is optional for most private employers, but nonsubscribers take on more liability and many clients require coverage.
How much liability insurance does RCAT require?
$300,000 combined single limit for residential and $500,000 for commercial.
Related guides
Important information
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Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
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