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State files updated Oct 27, 2026
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Texas contractor license bondInsurance and workers' comp

No surety bond requirement in Occupations Code ch. 1305 or in TDLR's contractor application requirements.1 General liability, minimum $300,000 per occurrence (property damage and bodily injury combined), $600,000 aggregate, and $300,000 aggregate for…2

Bond and insurance by trade in Texas

TradeBondInsuranceWorkers' comp
ElectricalNo surety bond requirement in Occupations Code ch. 1305 or in TDLR's contractor application requirements.1General liability, minimum $300,000 per occurrence (property damage and bodily injury combined), $600,000 aggregate,…2Applicant must provide proof of workers' compensation coverage, a certificate of authority to self-insure, or a…2
PlumbingNo surety bond requirement in Occupations Code ch. 1301 (the only bond provisions concern board appeals).4Responsible Master Plumber must carry at least $300,000 commercial general liability, proved with a certificate of…5Ask TX State Board of Plumbing Examiners
HVACNo surety bond requirement in Occupations Code ch. 1302 or in TDLR's ACR contractor application requirements.6Commercial general liability kept active at all times.7TDLR's ACR contractor requirements list liability insurance only.7

What general liability insurance does Texas require?

General liability, minimum $300,000 per occurrence (property damage and bodily injury combined), $600,000 aggregate, and $300,000 aggregate for products and completed operations. Certificate of insurance goes in with the application.2

Can a Texas contractor be exempt from workers' comp?

Applicant must provide proof of workers' compensation coverage, a certificate of authority to self-insure, or a statement that it elected not to carry coverage under Labor Code ch. 406 (with a notice of no coverage filed with TDI).2

What is a certificate of insurance?

It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one

Sources

  1. TDLR: bond (tcss.legis.texas.gov, 2026-10-27)
  2. TDLR: insurance (tdlr.texas.gov, 2026-10-27)
  3. TX TDLR via data.texas.gov (7358-krk7) and TSBPE plumber lists (tdlr.texas.gov, 2026-10-27)
  4. TX State Board of Plumbing Examiners: plumbing bond (tcss.legis.texas.gov)
  5. TX State Board of Plumbing Examiners: plumbing insurance (tsbpe.texas.gov)
  6. TDLR: HVAC bond (tcss.legis.texas.gov)
  7. TDLR: HVAC insurance (tdlr.texas.gov)