Roofing Contractor Insurance in Texas — Built for One of the Riskiest Trades There Is.
Roofing carries some of the highest liability and workers' compensation exposure of any trade — working at height, in Texas heat, on residential and commercial roofs that have to perform for years. We build programs that match the risk you actually carry.
Coverage That Fits Roofing Operations
The right roofing insurance program covers more than just general liability.
Roofers face exposures that a generic business policy doesn't anticipate — height work, storm chasing, subcontracted crews, and completed work that has to hold up through every Texas storm season. Here's what a properly built roofing program typically includes:
What We Watch For
The exposures that catch roofing contractors off guard.
Common gaps we find
- ✓Subcontractors working without their own coverage — leaving you exposed for their work
- ✓Height-work exclusions buried in policy language that weren't disclosed at quote time
- ✓Equipment left uninsured because it "isn't a vehicle"
- ✓Completed operations coverage that doesn't extend long enough for roofing's warranty period
What we ask before we quote
- →Do you do residential, commercial, or storm/insurance restoration work?
- →Do you use subcontracted crews, and do they carry their own GL and workers' comp?
- →What's the highest pitch or height your crews regularly work?
- →Do any contracts require you to carry specific limits or be bonded?
Why Roofers Work With McKnight
We're not guessing at what your business looks like day to day.
We Know the Trades
Our team comes from construction and contractor backgrounds — we know what a roofing job actually involves, not just what's on the application.
Independent & Carrier-Flexible
We shop your roofing program across multiple carriers to find the right fit for your operation — not a one-size-fits-all policy.
Real People When You Need Us
Need a certificate of insurance for a new job? Call us during business hours and we can usually turn it around the same day.
Common Questions
Questions roofing contractors ask us most.
General liability covers third-party injury and property damage claims — not your own employees' injuries. For your crew, you need workers' compensation, which is required in most cases for roofing work in Texas given the risk involved.
Roofing Insurance Insights
Coverage guidance written for Texas roofing contractors — workers' comp, GL requirements, and more.
Get Started
Let's build the right insurance program for your roofing business.
Call us or request a quote. We'll ask the right questions about your operation — residential, commercial, or storm work — and find a program that actually fits and responds when you need it.
McKnight Insurance Services · Mansfield, TX · Same-day certificates · Weekdays 8:30am–5pm