Being a roofing contractor in Texas isn’t just about climbing ladders and laying shingles—it’s about managing risk at every turn. With heights, heavy materials, and unpredictable weather, your job is one of the most dangerous out there. That’s why the right Roofers’ Insurance isn’t just a smart choice—it’s an absolute must.

Sure, insurance costs money, but think of it like a safety net. Without it, one accident could send your business tumbling faster than a loose shingle in a windstorm. The key is finding affordable, comprehensive coverage that protects your business from financial disasters without draining your bank account. That’s where a reputable broker—like Fairbanks Insurance Brokers—comes in.

Why Roofing Contractors Need Liability Insurance

Did you know that roofing is one of the most hazardous professions in the country? Even OSHA says so. With risks like property damage, personal injuries, and lawsuits, general liability insurance is your business’s best defense.

💰 What’s the price tag? Your policy cost will depend on several factors about your business:

• the size of your business
• how long you’ve been in business
• the size and number of jobs you’ll be working on
• your history of claims (if any)
• and the number of employees you have

Fairbanks Insurance Brokers specializes in helping Texas roofers navigate the maze of policies, ensuring your business gets the best protection at the best price.

Breaking Down Roofing Liability Coverage

Liability coverage is like a sturdy roof—it shields your business from financial storms. Without it, a simple accident could leave you drowning in unexpected costs.

What Does General Liability Insurance Cover?

🔨 1. Property Damage Coverage: When “Oops” Moments Get Expensive

Imagine you’re installing a new roof, and your crew accidentally drops a bundle of shingles, damaging a client’s skylight. Within minutes, water starts leaking into their home. Or maybe your ladder slips and dents a luxury car parked a little too close to the job site.

This coverage pays for repairs or replacements when your business damages someone else’s property.

✅ Covers accidental damage to a client’s home, business, or personal property

✅ Pays for repairs or replacement costs so you’re not footing the bill

✅ Protects against legal claims if the client decides to sue for damages

Even the most careful roofing contractors can make a mistake, and without this coverage, a simple mishap could turn into a costly legal nightmare.

🚑 2. Bodily Injury Liability: Covering On-Site Accidents

Let’s face it—construction sites aren’t exactly playgrounds. Whether you’re building a deck or remodeling a home, there’s always a chance that someone could get hurt on or near your worksite.

What happens if:

❌ A client or visitor trips over your tools and breaks an ankle?

❌ A loose board from your scaffolding falls and injures someone?

❌ A subcontractor accidentally knocks a client over while carrying materials?

With bodily injury liability coverage, your policy will be there for you and your business.

💰 3. Legal Defense & Settlements: Your Financial Safety Net

Lawsuits are an unfortunate reality in the contracting business. Maybe a client claims you damaged their property, or maybe they allege that your work caused financial loss due to a mistake. Even if the claim is baseless, defending yourself in court can be incredibly expensive.

That’s why general liability includes legal coverage, which helps pay for:

✔ Attorney fees – Because good legal defense doesn’t come cheap

✔ Court costs – Filing fees, depositions, and expert witness fees add up

✔ Settlements & judgments – If the case doesn’t go in your favor, your policy helps cover the payout

Think of this coverage as hiring the best legal team without draining your business’s bank account.

🛠 4. Products & Completed Operations Coverage: Protection Even After the Job is Done

You wrapped up a roofing project months ago, and suddenly, the homeowner called, claiming a leak caused interior damage.

Even after you’ve finished the job and moved on to the next project, your work still carries risk. That’s where Products & Completed Operations Coverage steps in.

📢 5. Personal & Advertising Injury: Protecting Your Reputation

Your work speaks for itself, but in today’s world, business disputes can quickly turn into legal battles over things like advertising claims, defamation, or copyright infringement.

Texas Roofing Insurance Requirements: What You Need to Know

Texas is a bit like the wild west when it comes to contractor licensing and insurance. Unlike some states that have rigid laws, Texas takes a more laid-back approach—meaning there’s no statewide requirement for general contractors to carry insurance. Sounds great, right? Well, before you start celebrating, there’s a catch.

While the state doesn’t demand it, many cities, counties, and clients do. Not to mention, if something goes wrong on a job site—like a ladder tipping into a client’s brand-new truck—guess who’s paying the bill if you don’t have coverage? (Spoiler alert: it’s you.)

Local Licensing Requirements (City & County Rules)

• Some cities—like Austin, Dallas, Houston, and San Antonio—have their own licensing and insurance rules.
• Before you start a job, check with your local permitting office to make sure you’re not missing anything.

Secure Your Business Today with Fairbanks Insurance Brokers

Your roofing business deserves protection as solid as the structures you build. That’s where Fairbanks Insurance Brokers comes in. We specialize in roofing contractor insurance, making it easy to find the perfect plan for your business.

✅ Fast & Easy Quotes – Get coverage in minutes.

✅ Tailored Policies – Designed specifically for roofing professionals.

✅ Exclusive Industry Rates – Competitive pricing to fit your budget.

✅ Same-Day Coverage Available – Get insured with a low down payment and monthly installments.

📞 Call Fairbanks Insurance Brokers today at (866) 805-3800 for a free quote. We’ll help you get the right insurance so you can focus on doing what you do best—building strong, secure roofs and an even stronger business.

Fairbanks Insurance Brokers — The Ultimate Source for Discount Roofing Contractors Liability Insurance in Texas!