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Certificate of Insurance Requirements in Texas

Texas has no statewide COI mandate, but commercial contracts routinely require certificates, and TXDOT projects impose strict additional insured requirements.

What contractors in Texas must carry

General liability $1M+ per occurrence is the market standard; TXDOT requires higher limits and additional insured status for road work.

Key facts about Texas COI compliance

  • Texas has no statewide COI mandate, but contracts set the rules
  • TXDOT projects require higher limits and additional insured status
  • Most commercial agreements in Texas require $1M+ general liability

Typical requirements in Texas

General liability$1M per occurrence is the market standard
Workers compensationRequired for employers with 5+ employees (1+ for most industries)
Additional insuredCommonly required on commercial projects

Typical contract terms in Texas — always confirm with your legal counsel and insurer.

Statutory basis

Key references: Texas Insurance Code. Note that contract requirements often exceed state law — most commercial agreements in Texas require $1M+ general liability and additional insured endorsements regardless of statute.

How COIFort keeps you compliant in Texas

You define the requirement template once — coverage types, minimum limits, additional insured. Every certificate a Texas-based vendor uploads is automatically verified against it, and renewal reminders fire before any expiration. Your certificate history is audit-ready 24/7.

Frequently asked questions about Texas COI requirements

General liability $1M+ per occurrence is the market standard; TXDOT requires higher limits and additional insured status for road work. In Texas, coverage rules are defined by Texas Insurance Code. COIFort lets you require workers comp from every contractor and flags any certificate that does not include it.
Texas has no statewide COI mandate, but commercial contracts routinely require certificates, and TXDOT projects impose strict additional insured requirements. Beyond state law, most commercial contracts in Texas require $1M+ general liability and additional insured endorsements — COIFort verifies every submitted certificate against your exact template.
COIFort emails each contractor a secure upload link, verifies coverage types, limits and dates against your requirements, and reminds both sides before any certificate expires. No spreadsheets, no chasing.