Business Insurance pillar — general liability and workers compensation

General liability insurance covers third-party property damage the contractor causes during the work. Workers compensation covers injury to the contractor's employees on the job site. Texas does not require either of these to operate as a roofer, so a contractor's voluntary compliance is itself a signal — a contractor without active coverage can leave the homeowner financially exposed if a worker falls off the roof or a delivery truck damages the driveway. Vfane reviews the Certificate of Insurance submitted during contractor onboarding, confirms the current carrier and policy expiration dates, and marks the pillar Verified (V badge) only when both coverages are active and documented. Expired or missing coverage drops the pillar to Claimed or unverified status. This pillar is typically treated as a minimum bar regardless of homeowner profile — the exposure that comes from an uninsured crew on a roof is hard to offset. One Texas-specific nuance: Texas allows employers to opt out of the state workers compensation system ("non-subscriber" status), which has legal implications that can be asked about directly during a contractor conversation. [Source: Texas Department of Insurance general requirements; Vfane verification process]