How much does roofing contractor insurance cost in Texas? (2026)

Recent rate-filing activity — 8 state filings across 2 commercial lines

Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting roofing contractor operations, each cited to the regulator or bureau filing it came from.

Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.

National context — Roofing Contractor insurance overview

Roofing carries the steepest insurance pricing in the trades, and one number explains it: NCCI class 5551 — roofing workers' compensation runs to ~$25 per $100 of payroll in higher-cost states, driven by fall severity no other common trade matches. Around the WC core sit general liability with completed operations (the leak that shows up two winters later), inland marine for the kettle and compressors, and commercial auto. Many carriers won't write roofing at all, which itself shapes price.

As an industry-typical estimate, a small roofing crew commonly runs roughly $8,000–$25,000+/year across WC, GL and equipment — payroll-driven above all. No insurance bureau publishes roofer premiums as a menu, so every dollar here is an estimate; each fact is sourced to a named authority (NCCI, IRMI, III, OSHA). Use the calculator below, then get a real quote in 5 minutes. The roofing coverage guide covers the policy stack in depth — this page owns the numbers.

Industry-typical market ranges (national)

Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form

Coverage a roofing contractor typically carries (industry-typical estimates):

• Workers' compensation (the defining line): class 5551 pricing reflects fall severity — payroll is the premium. NCCI Atlas, III workers comp.
• General liability with completed operations: the leak claim arrives seasons after the job closes. IRMI completed operations.
• Fall protection practice: OSHA's residential fall-protection rules are the underwriting interview's first question. OSHA fall protection.
• Inland marine + commercial auto: kettles, compressors, ladders and the trucks that move them. IRMI inland marine.

Payroll, roof pitch and height mix, and torch/hot work are primary rating factors.

For Texas-specific direction, see the filed-rate table above.

Industry context — what published research says about Roofing Contractor coverage

• One class code prices the trade. NCCI 5551 carries the steepest common WC loss costs — up to ~$25/$100 of payroll in higher-cost states. NCCI Atlas.
• The leak is a completed-ops claim. It shows up two winters later and lands on the policy in force then. IRMI completed operations.
• Fall practice is the first underwriting question. Documented OSHA fall-protection compliance moves the quote. OSHA fall protection.

How to lower your roofing contractor insurance cost

General levers that apply nationally — Texas operators may also have state-specific levers (e.g. non-subscriber WC, multi-jurisdiction permit consolidation).

Get your actual Texas quote in 5 minutes

The data above is regulator-filed direction. Your actual Texas quote depends on class code, payroll, experience modifier, and the LCM each carrier files.

More Texas rate-filing detail

• All Texas commercial rate filings (every line, every recent filing) — the broader rate-data view for Texas
• Rate filings by state — directory of all 47+ states with active filings
• National Rate Change Tracker — every filing across every state, sortable

Get a real Texas quote for roofing contractor

The data above shows the regulator-filed direction for Texas. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.

Related guides

• Roofing insurance coverage guide (the policy stack)
• Workers' comp cost deep dive
• Our sourcing methodology

Sources cited (national context above)

1. NCCI Atlas — Class Codes — National Council on Compensation Insurance (NCCI), 2024
2. Workers Compensation Insurance — Insurance Information Institute (III), 2024
3. Completed Operations Liability — International Risk Management Institute (IRMI), 2024
4. Fall Protection — Occupational Safety and Health Administration (OSHA), 2024
5. Commercial General Liability Insurance — Insurance Information Institute (III), 2024
6. Inland Marine Insurance — International Risk Management Institute (IRMI), 2024
7. Business Vehicle Insurance — Insurance Information Institute (III), 2024
8. Experience Rating — International Risk Management Institute (IRMI), 2024