Why is roofing insurance so expensive?

Roofing is classified as a high-risk trade due to the frequency and severity of claims, particularly falls from heights. Insurance rates reflect this elevated risk level.

How much does roofing contractor insurance cost in Texas?

Roofing contractor insurance in Texas typically costs $5,000 to $20,000+ per year, depending on revenue, employees, and coverage limits. Workers' comp rates for roofers are among the highest in construction.

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Insurance for Texas Roofing Contractors

Specialized coverage for one of the highest-risk trades in the construction industry.

Average Insurance Cost: $5,000 – $20,000+/year

Insurance for Roofers in Texas

Roofing is consistently rated as one of the most dangerous occupations in the United States, and insurance rates reflect that risk. Texas roofing contractors need robust insurance coverage to protect against falls, property damage, and the unique weather-related risks of working in Texas.

Common Risks for Roofers

Falls from heights — the leading cause of construction fatalities

Property damage to existing structures during roof work

Weather-related injuries and project delays

Completed operations claims from roof leaks

Material and equipment theft from job sites

Vehicle accidents while hauling materials

Recommended Coverage for Roofers

General Liability

Essential coverage for property damage and injury claims — rates are higher for roofers.

Workers' Compensation

Critical for protecting employees in one of the most dangerous trades.

Commercial Auto

Covers trucks hauling roofing materials and equipment.

Inland Marine

Protects roofing tools, equipment, and materials at job sites.

Umbrella / Excess

Extra protection for high-risk roofing operations.

Frequently Asked Questions

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