Roofing · San Antonio, TX
A steady mix of residential replacement and commercial low-slope work, with hail and high heat driving material aging. Military and institutional contracts here come with formal insurance requirements.
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Areas Covered
If your crews work anywhere in this part of Texas, an independent agent can quote you — including jobs that cross into neighboring regions.
What Matters Here
Licensing
Texas does not license roofing contractors at the state level. Voluntary credentials like RCAT certification and city registration fill part of that gap, and most commercial customers use insurance requirements as the screen instead.
Workers' compensation
Texas is the one state where private employers can opt out of workers' compensation. Non-subscribers lose important liability defenses, and most commercial general contractors require coverage by contract regardless.
Storm and claim drivers
Hail is the dominant peril across DFW, Central Texas, and the Panhandle, with named-storm wind and windstorm deductibles along the Gulf Coast.
Licensing and coverage requirements change and vary by jurisdiction and contract. Treat this as a starting point and confirm the specifics with a licensed agent before you rely on it.
Coverage Types
A complete program is usually six policies working together, not one general liability certificate.
Third-party bodily injury and property damage — including water intrusion during tear-off. Also the policy GCs are looking at when they ask for additional insured and primary & non-contributory endorsements.
Medical bills and lost wages for injured crew. The largest line item on most roofing programs, and the one where safety documentation and your experience mod move the price the most.
Trucks, trailers, and dump runs — plus hired and non-owned auto for crews driving personal vehicles between jobs.
Covers tools, compressors, and equipment on the job, in transit, and in the truck overnight — where they actually get stolen or damaged.
Covers shingles, membrane, and materials you've staged or partially installed but haven't handed over yet. Most GL policies won't touch them.
Sits above GL and auto. Commercial GCs and property managers routinely require $2M–$5M in total limits before you can start work.
Common Questions
There's no statewide roofing license. Cities may require registration or permits, and voluntary programs like RCAT certification exist, but in practice your certificate of insurance is what most commercial customers ask for first.
Most roofers who bid commercial work end up carrying it, both because contracts require it and because opting out (becoming a non-subscriber) strips away legal defenses in an employee injury suit. An agent can price both paths so you can see the tradeoff.
There's no honest flat answer — roofing premiums are driven by payroll, your split of residential versus commercial work, height and hot-work restrictions, the states you operate in, and your claims history. Two roofers with the same revenue can be priced very differently. The fastest way to a real number is a licensed agent running your payroll and loss runs through several carriers at once.
Generally no. General liability covers damage you do to someone else's property or person. Tools, compressors, ladders, and staged materials are covered by inland marine (tools and equipment) and an installation floater. This is one of the most common gaps we see on roofing policies.
It depends on the state, and roofing is often treated more strictly than other trades because it's classified as construction. Some states require coverage at the first employee, others at three or more, and general contractors usually require it by contract regardless of the legal threshold. Check your state's page for specifics and confirm with a licensed agent.
Tell us about your business and an independent agent licensed in Texas will reach out within one business day.
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