Texas certificate of insurance requirements
Texas certificates of insurance require special attention to the nonsubscriber WC regime and to anti-indemnity statutes that govern construction and oilfield contracts. Agencies should verify WC status and confirm AI endorsement form language complies with Texas statutory limits.
Auto liability minimums
$30,000 / $60,000 / $25,000 for personal auto; $1M CSL typical for commercial; for-hire trucking subject to federal minimums for interstate operations.
Workers' compensation
Texas is the only U.S. state where private employers may opt out of workers' compensation (the “nonsubscriber” regime). Nonsubscribers lose common-law defenses and face direct negligence liability.
State-specific quirks
Confirm WC status on every TX insured. Nonsubscribers should carry alternative occupational accident or employer's liability coverage and be flagged for contract-counterparty review.
Texas voids broad indemnity clauses in construction contracts. AI endorsements must be drafted to comply with the statute or coverage may be unenforceable.
Texas Oilfield Anti-Indemnity Act voids certain indemnification provisions in oil and gas service contracts. Affects AI endorsement enforceability for energy-sector insureds.
Notable industry callouts
- Construction. Anti-indemnity statute reshapes how AI/WOS endorsements must be drafted in TX construction contracts.
- Oil & gas services. TRIPA-compliant indemnity language required; verify AI endorsement form numbers against current TRIPA case law.
How COIflow handles it
Texas requirement profiles live alongside your contract and lease requirements in COIflow, so every cert your agency issues or verifies for a TX-based insured is checked against the right WC threshold, AI wording, and state-specific endorsement forms — without your CSRs having to remember the differences.
Disclaimer. This summary is for reference only. It is not legal advice and not coverage advice. Verify current statutes, regulations, and case law with licensed counsel and your carriers before relying on it for a specific risk.