Coverage Specialty
Roofing Contractor Insurance
in TX, NC & SC,
Even When Other Agents Say No
Roofing is one of the hardest trades to insure. Many standard carriers decline roofers or price them out, especially with hail and wind exposure, residential work, or claims in the past. We're an independent agency with access to 30+ carriers, so we can shop your risk with markets that actually write roofing. Tell us about your operation and we'll come back with options, usually within 24–48 hours.
What Roofing Contractors in TX, NC & SC Typically Need
Every roofing operation is different. Here are the coverages we most commonly place for roofers in the region.
General Liability
Covers property damage and injury claims from your work. Many lenders, builders, and property managers won't let you on a job without it.
Workers' Compensation
Roofing is a high-injury trade, and the rules depend on where you work. Texas private employers aren't legally required to carry it, but many GCs and commercial clients require it anyway. North Carolina requires it once you have 3 or more employees; South Carolina once you regularly have 4 or more. We'll help you sort out what applies to your crew, including subcontractors.
Commercial Auto
Trucks, trailers, and equipment hauling — coverage for the vehicles that keep your operation moving.
Tools & Equipment / Inland Marine
Ladders, nail guns, and equipment that general liability won't cover. Protects your gear on the job site and in transit.
Umbrella / Excess
Extra limits that larger contracts often require. Sits above your primary policy to extend your protection.
Certificates of Insurance
We help you get proof of insurance to builders and clients quickly — same-day when you need it.
Why Roofers Choose an Independent Agency
- Access to many markets — we shop your account instead of offering one carrier's price.
- Experience with difficult risks — residential roofing, storm work, and growing crews are placements we handle.
- Certificates when you need them — we help you get proof of insurance to builders and clients quickly.
Who We Work With
Residential roofers, commercial roofers, roofing subcontractors for builders, and storm-restoration contractors.
Start Your QuoteRoofing Insurance Questions
Is workers' comp required for roofers in Texas?
Generally not by state law for private employers, but contract requirements often make it necessary in practice.
Is workers' comp required for roofers in North Carolina?
Generally yes, once you have 3 or more employees. Thresholds can change, so confirm with your state's workers' comp agency.
Is workers' comp required for roofers in South Carolina?
Generally yes, once you regularly have 4 or more employees. Thresholds can change, so confirm with your state's workers' comp agency.
What if my crew is 1099 subcontractors?
Uninsured subs can create audit charges and cost you jobs. Tell us how you use subs and we'll structure coverage and certificates to match.
Can you insure roofers with past claims or no prior coverage?
Often yes, depending on the situation, and we'll tell you your options up front.
How fast can I get a certificate of insurance?
Same day.
Do you also insure the builders I work for?
Yes, we also write builders risk and coverage for general contractors, which can help when a builder requires you to be on their program.
Get a Roofing Insurance Quote
Tell us about your operation and we'll come back with options from 30+ carriers.