A Texas Household Goods Mover Registers With TxDMV and the Insurer Files the Proof
Texas movers file $5,000 per shipper and $10,000 across shippers in cargo insurance with TxDMV. Each rule is quoted word for word, as of October 2026.
Business
Five Big Texas Cities Leave Food Truck Insurance Out of Their Permit Codes
Texas licenses food trucks through DSHS, and the application asks for proof of vehicle insurance. Five big-city codes are quoted, as of October 2026.
Personal Auto vs Commercial Auto for a Texas Work Truck
Texas requires 30/60/25 liability on every truck, but a personal auto policy can exclude business use. Here is how the exclusion and the CA 00 01 form differ.
Texas Cleaning Businesses Meet Insurance Requests Before Insurance Rules
TDLR's list of licensed programs has no cleaning or janitorial category, and Texas Labor Code 406.002 makes workers' comp elective. What clients ask for.
Texas Does Not Require General Contractors to Carry Insurance by State Law
Texas has no state general contractor license or insurance rule. San Antonio lists $500,000 limits for residential builders. Quoted as of October 2026.
Texas Locksmith Companies Must File Proof of Liability Insurance With DPS
Texas Occupations Code 1702.124 sets $100,000 and $200,000 minimum limits for a locksmith company license. The rule is quoted word for word, as of October 2026.
Texas Master Plumbers Must File a Certificate of Insurance With the State
A Texas master plumber must file a certificate showing at least $300,000 in liability coverage per year. Statute and rule quoted, as of October 2026.
Texas Pest Control Businesses Must Prove Liability Insurance to Get a License
Texas rule 4 TAC 7.123 sets pest control business insurance at $500,000 with a $1,000,000 aggregate, above the statute's figures. Quoted as of October 2026.
Texas Sets a Liability Insurance Floor for Electrical Contractors
Texas electrical contractors must carry $300,000 per occurrence and $600,000 aggregate liability under 16 TAC 73.40. The rule and city notes are quoted.
Texas Sets No Insurance Rule for Irrigators but Has One for Pesticide Businesses
TCEQ says it has no insurance or bonding requirement for licensed irrigators. Texas law does set a liability floor for some pesticide applicator businesses.
Texas Sets No State Insurance Rule for Roofers
Texas has no state roofing license or roofer insurance mandate. Houston's voluntary registry lists $500,000 limits. City rules quoted, as of October 2026.
Texas Sets Two Insurance Floors for Air Conditioning Contractors
Texas Class A air conditioning contractors must carry $300,000 per occurrence and Class B $100,000 under 16 TAC 75.40. The rule and city notes are quoted.
Texas Tow Trucks Need Proof of Insurance Before the State Issues a Permit
Texas Occupations Code Chapter 2308 sets $300,000 and $500,000 liability amounts for tow truck permits. Each rule is quoted word for word, as of October 2026.
Workers' Comp Is Optional for Most Private Employers in Texas
Texas lets most private employers skip workers' comp, but nonsubscribers lose key defenses in injury suits. In 2024, 24% of employers had opted out.
A Certificate of Insurance Proves a Policy Existed the Day It Was Printed
A certificate of insurance does not amend a Texas policy or give the holder rights. Here is the ACORD 25 field by field and what it cannot prove.
How a Commercial General Liability Policy Is Built, Clause by Clause
A commercial general liability policy has three coverages and separate limits. This guide reads the ISO CG 00 01 occurrence form clause by clause.
Which Texas Trades Must Carry Liability Insurance by Law
Texas electrical, air conditioning, plumbing, and elevator contractors must carry liability insurance. Each rule is quoted word for word, as of October 2026.