Roofing Contractor Insurance Dallas, TX

Roofing contractor insurance, also called roofers insurance, is a package of business coverages for companies that install, repair, or replace roofs. It typically includes general liability for injury and property damage claims, workers' compensation or another plan for crew injuries, commercial auto for work trucks, and added protection for tools, projects, and higher liability limits.

Roofing policies often carry restrictions on things like hot-applied systems, building height, and certain property types, so two policies at the same price can respond very differently. A general contractor's insurance requirements can also decide whether you win the job.

Thumann Agency is an independent broker in Dallas, in business for 30+ years (since 1996). We compare 80+ carriers and read the policy form against the work you actually bid, before you sign. This page is for roofing companies. If you're a homeowner with a roof claim, your own insurer is the place to start.

• What it covers: liability, crew injuries, trucks, tools, projects in progress, and higher limits when a contract asks for them

• Is it required? Texas lets most private employers choose whether to carry workers' compensation, but general contractors and commercial clients often ask for proof of coverage before you start

• What does it cost? Our general starting ranges are below, and your actual price depends on payroll, the work you do, and your claims history

Why Dallas Roofing Contractors Choose Thumann Agency

When a general contractor asks for proof of insurance, you need an answer that day. Here's what you get with us:

• Independent broker: we compare 80+ carriers instead of handing you one company's roofing rate

• A dedicated advisor: one person who knows your account, not a call center

• 30+ years in Dallas: Thumann Agency has placed Texas commercial coverage since 1996, including contractor and trades accounts

• A policy wording review: we read your actual policy form against the buildings and systems you bid, before you sign, not after a loss

• Same-day certificates of insurance for existing clients: including additional insured wording when a contract requires it

• Annual and mid-season reviews: so your payroll, crew size, and limits keep pace when you add crews

• Servicio en español: Spanish-language support is available (see our seguros de negocio en Texas page)

What Our Clients Say

Thumann Agency holds a 4.6-star rating from 140+ Google reviews. Here's what some of our commercial clients say about working with us.

"Thank you Nida and Thumann agents for always making sure I got what I need for my projects! I've been with this agency for 4 years and I couldn't recommend them more! We recently needed additional coverage for a new contract and Nida went above and beyond to get us what we were needing. Thank you!!!"

Jose Medina

"They are great. After looking a lot of places for the specific insurances we needed we finally found it with Thumann. Not only did they find the right insurance we need, they made it super easy. Whitney was a great help and I would recommend the whole team over there to anyone looking."

Cory Wolff 

"The Thumann Agency found me the best rates for my commercial building and general liability policies. Their service is great, ten years and counting."

Jill Parr

Want this kind of attention for your roofing company? Get a Quote or Call Us.

Who Needs Roofing Contractor Insurance in Dallas?

Any company that works on other people's roofs carries risk, whether it's one crew or twenty. That includes:

• Residential re-roofing and repair crews

• Storm restoration crews that grow after a hailstorm

• Commercial roofers working on flat roofs, including single-ply membrane, modified bitumen, and built-up systems

• Roofing subcontractors working under a general contractor's insurance requirements

• Owner-operators and small crews that add help during busy seasons

• New roofing companies setting up their first insurance program

• Exterior contractors whose work includes roofing alongside gutters, siding, and windows

Roofing also carries a serious fall risk. In 2023, roofing contractors accounted for 110 of the construction industry's fatal falls, slips, and trips, about 26 percent of the industry total, according to the U.S. Bureau of Labor Statistics. Insurers price that risk, and general contractors ask about it.

What Does Roofing Contractor Insurance Cover?

Most roofers insurance programs combine several coverages. Not every company needs every line, and the terms depend on the carrier and the policy. The short version:

• General liability: injuries and property damage to other people, including problems that show up after a job is finished

• Workers' compensation: work injuries to your employees

• Commercial auto: work trucks, trailers, and vehicles that haul crews and materials

• Tools and equipment: nail guns, compressors, harnesses, and lifts that move from job to job

• Builders risk: materials and project damage while the work is in progress

• Commercial umbrella: extra liability limits above your primary policies

• Surety bonds: a guarantee some contracts require, which is not insurance for your own company

• Contractor professional liability: claims about advice or specifications, for design-build and consulting work

• Employment practices liability: claims by employees, which matter when you hire and release seasonal crews

General Liability for Roofing Contractors

What It Covers

General liability insurance can respond when your work injures someone or damages their property: a bystander hit by falling debris, a neighbor's fence damaged during a tear-off, or a leak that appears weeks after installation. That last example is called completed operations coverage, and for roofers it matters most because roof problems often show up long after the crew has left. Our contractor liability insurance page goes deeper on limits and certificates.

Policy Limits to Check Before You Bid

Roofing policies often restrict certain jobs. These are the common ones to confirm in your own policy form:

• Open-roof exposure: some policies exclude or limit interior water damage while a roof is stripped and open. Ask how yours treats it and whether it requires temporary protection

• Hot-applied and torch-down systems: some forms exclude or restrict them, and some carriers won't write them at all

• Building height: many carriers set a limit on the number of stories

• Property types: condominiums, homeowners associations, churches, medical facilities, and very large buildings are restricted on some forms

• Specialty work: confirm that roof coatings and other specialty applications fall inside your classification

• Your own faulty work: the cost of redoing defective work is typically not covered, even when damage it causes to someone else's property may be

• Completed operations length: roofing warranties can run for years, so ask how long completed operations protection lasts and whether it's included at the limit your contracts require

What General Contractors Commonly Ask For

• General liability limits of $1 million per occurrence and $2 million aggregate, sometimes higher

• Additional insured status for the general contractor or property owner

• Primary and noncontributory wording

• Waiver of subrogation

• Completed operations coverage

• Proof of workers' compensation and commercial auto

• Commercial umbrella limits on larger projects

Send us the contract or the requirements list and we'll match your policy to it before you sign.

Not sure what your current policy restricts? Talk to Us or Call Us: (972) 991-9100.

Workers' Compensation for Texas Roofing Contractors

• Texas lets most private employers choose. Under the Texas Department of Insurance, Division of Workers' Compensation, private employers can carry workers' compensation insurance but it is not required in most cases. Employers that opt out must notify their employees and the state. Opting out has legal consequences, so talk to an attorney before you decide

• Many general contractors still require it. A current certificate is often a condition of working as a subcontractor, so opting out can close you out of commercial work

• It's priced on payroll. Premium comes from your payroll, your roofing classification, and your claims history, not a flat rate

• Seasonal growth matters. If a hailstorm doubles your crew, tell your advisor as it happens so your coverage reflects who is actually on the roof

• Keep your subcontractors' certificates. Payments to uninsured subcontractors can be counted as payroll at audit, so collect a current certificate from every subcontractor you use

Trucks, Tools, and Projects in Progress

Commercial Auto

Work trucks and trailers need commercial auto insurance for contractors. A personal auto policy generally isn't written for a vehicle hauling a crew, ladders, and materials to a job. Multi-truck fleets are usually easier to manage on one program.

Tools and Equipment

Equipment coverage, often called inland marine, follows your nail guns, compressors, harnesses, and lifts from site to site. A commercial property policy typically covers equipment only at a fixed address, so equipment that lives in a truck or on a job site usually needs its own coverage.

Builders Risk

Builders risk insurance is a project policy for materials and work in progress, and some contracts require it. It is not a replacement for general liability. Check the policy language for what happens to an open roof during tear-off, and ask whether a project-level policy already exists through the general contractor.

Higher Limits, Bonds, and Other Coverage

• Higher limits: commercial umbrella insurance adds liability limits above your general liability, auto, and employer's liability policies. Larger commercial contracts often ask for it

• Bonds: some commercial and public projects require surety bonds. A bond guarantees your performance to the project owner and is not insurance for your company

• Professional liability: roofers who write specifications or give design advice can add professional liability insurance, since general liability doesn't respond to claims that advice caused financial harm

• Seasonal hiring claims: employment practices liability insurance can help with claims by employees, which matter when you hire and release crews quickly

• Your shop or yard: commercial property insurance covers an office, warehouse, or material yard you own or lease

• The full picture: our contractors insurance page covers how these coverages fit together for trades

Dallas Hail, Storm Work, and Texas Rules for Roofing Contractors

Roofing work in Dallas follows the weather, and so does roofing risk. Here's what the record shows:

• Hail across Texas: Texas recorded 878 hail events with stones one inch or larger in 2024, the most of any state, according to the Insurance Information Institute

• Hail claims in Dallas and McKinney: from 2017 to 2019, the National Insurance Crime Bureau ranked McKinney (34,134 claims) and Dallas (25,262 claims) among the five U.S. cities with the most hail-loss claims. Nationally, most of those claims were homeowners and auto claims, but the ranking shows how often this area's roofs get hit

• What it means for a roofing company: after a major storm, crews grow, certificates get requested all at once, and carriers often ask what share of your work is storm restoration. Tell your advisor when your mix or crew size changes

These figures are reported by the Insurance Information Institute and the National Insurance Crime Bureau for the years shown. We haven't adjusted them, and newer data may differ.

Texas and Dallas also have rules that affect how a roofing company runs:

• Dallas permits: the City of Dallas requires a residential roofing permit when the total value of the work, materials and labor combined, exceeds $500. The permit is applied for by a registered roofing contractor, or by a homeowner on their own primary homestead who does the work themselves

• Deductibles: the Texas Department of Insurance says it is illegal in Texas for a contractor to offer to waive, rebate, or absorb a policyholder's deductible. Contracts of $1,000 or more that involve an insurance settlement must include a notice that the policyholder pays the deductible

• Public adjusting: Texas doesn't allow a roofer to act as a public adjuster on a claim while also doing the work. The same agency says websites and ads shouldn't say or imply that you will do both, for example by promising to negotiate a settlement or recover "every dime" from an insurer

This is a general summary of the City of Dallas and Texas Department of Insurance pages linked above, not legal advice. Rules can change, so confirm with each agency or an attorney.

How Much Does Roofing Contractor Insurance Cost in Dallas?

Your price depends heavily on what your crews do. Here are Thumann Agency's general starting ranges for the common Texas policies that make up a roofers insurance program:

• General liability: around $230 to $460 per month for a roofing contractor

• Commercial auto: around $150 to $400+ per vehicle, per month

• Workers' compensation: not a flat rate. It is priced on payroll, your roofing classification, and your claims history

• Tools and equipment, builders risk, umbrella, and bonds: priced individually, so we don't list a range

These are Thumann Agency's general starting ranges for common Texas commercial policies, and the general liability range is the roofing tier we list on our general liability page. They aren't roofing-specific quotes or guarantees, and they don't come from third-party comparison sites.

What Moves a Roofer's Premium

• The type of roofing: residential steep-slope, commercial flat-roof, or storm restoration

• Annual revenue and payroll

• Crew size and how much it grows in busy seasons

• Whether you use subcontractors, and whether they carry their own coverage

• The heights and building types you work on

• Number and type of vehicles and driver records

• Claims history

• The limits and deductibles you choose

• Written safety practices, including fall protection

Ways to Keep Roofing Insurance Costs Manageable

• Compare carriers instead of renewing on autopilot

• Report payroll accurately so a year-end audit doesn't surprise you

• Keep current certificates from every subcontractor

• Document your fall protection and safety training

• Choose a deductible your cash flow can handle, not just the lowest premium

• Review limits every year as your jobs get bigger

The lowest premium isn't always the lowest cost. Compare what each policy restricts, not just what it charges.

Want an actual quote for your roofing company? Submit a quote request and we'll come back with options, or call us at (972) 991-9100.

How to Choose a Roofing Contractor Insurance Company or Agent

Not every carrier writes roofing, and the cheapest quote can hide the narrowest policy. Before you sign, ask:

1. Does this carrier write the roofing you do: residential, commercial, storm restoration, hot-applied?

2. What is the building height limit, and which property types are restricted?

3. How does the policy treat an open roof during tear-off?

4. How long does completed operations coverage last?

5. Does the workers' compensation policy match my payroll and crew size?

6. Can you issue additional insured wording and a certificate quickly?

7. Will someone review the policy against my actual bids?

As an independent broker, we ask these across 80+ carriers and put the answers side by side.

How to Get Roofing Contractor Insurance in Dallas

• 1. Tell us about your roofing work. Share the types of roofs, building heights, crew size, payroll, and any contract requirements.

• 2. We compare carriers. We shop your company across 80+ carriers instead of quoting one.

• 3. You review the options with your advisor. We walk through limits, restrictions, and deductibles before you decide.

• 4. We bind your policy and issue your certificate. Existing clients get same-day certificates of insurance in most cases.

Have these ready to speed things up:

• Your current policy and renewal date

• The types of roofing systems you install

• The tallest buildings you work on

• Annual revenue, payroll, and crew size

• Vehicles and drivers

• Any general contractor or property owner insurance requirements

Already a client? You can request a certificate of insurance online.

Roofing Contractor Insurance Across Dallas and Texas

Our office is at 12770 Coit Road, Suite 110, Dallas, TX 75251. We serve roofing companies across Dallas, Garland, and Mesquite and throughout the Dallas-Fort Worth area, including Fort Worth, Plano, Frisco, Arlington, McKinney, Irving, Richardson, and Grand Prairie. We also serve roofers in Houston, Austin, San Antonio, Corpus Christi, and Galveston.

How do I add a general contractor as an additional insured?

Your policy needs an additional insured endorsement. A blanket endorsement can add any party your written contract requires, while a scheduled endorsement names each party one at a time. Send us the contract wording and we'll confirm which type your policy has. Existing clients get same-day certificates in most cases, with the correct wording included.

What if my subcontractors don't have their own insurance?

You may carry the exposure. An uninsured subcontractor's injury or damage claim can land on your policy, and their payments can be counted as payroll at audit. Ask every subcontractor for a current certificate before they start, and keep it on file. We can also review how your own policy treats subcontracted work and what your contracts require of subs.

Does storm restoration work change my insurance?

It can. Carriers often ask what share of your work is storm restoration versus new roofs, because crew size, certificates, and claim patterns look different. Hail-driven work also means fast hiring, so report crew changes as they happen. Tell us if storms drive most of your work, and we'll place you with carriers that write that mix.

Do I need workers' compensation if I'm a solo roofer?

It depends on whether you have employees and what your contracts say. Texas doesn't require it for most private employers, but many general contractors ask for proof anyway. Tell us how you work, including any helpers or day laborers, and we'll explain your options before you commit. A short call is usually enough to sort out which setup fits.

Can a brand-new roofing company get insured?

Yes, though carriers may ask about your roofing experience and the work you plan to do. A clear description of your background and job types helps. We shop 80+ carriers, so a new company has more options than a single quote would suggest. Tell us when you started and what you'll bid.

How do prior claims affect my coverage?

They can raise your price or narrow your options, depending on the type and size of the claim. Carriers treat one small claim differently from a pattern of claims. Tell us about your claims history upfront so we can match you with carriers that fit it. Being open early avoids surprises when a carrier reviews your loss history.

Ready to Review Your Roofing Contractor Insurance?

Whether you're renewing, comparing carriers, or setting up a new roofing company, we'll walk through your options without jargon. Get a Quote, Call Us: (972) 991-9100, or Talk to Us and we'll take it from there. You can also see our full business insurance lineup