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Texas Department of Insurance

Certificate of liability insurance requirements

To register with the State Fire Marshal’s Office (SFMO), you must present a certificate of insurance to SFMO showing you have general liability insurance.

  • Companies must have at least $100,000 combined single limits coverage per occurrence with a $300,000 total for the policy year. The policy must include products and completed operations coverage.
  • Public Fireworks Display Permits must have at least $500,000 combined single limits coverage per occurrence. Products and completed operations coverage isn’t required.

The certificate must:

  • Show your full company name, including Inc., Corp., Co., etc., if applicable, and any assumed names and DBAs.
  • Indicate the types of business covered, for example, fire alarm or fixed extinguisher systems.
  • Include the name and signature of a Texas-licensed general lines or surplus lines agent, depending on the type of insurer providing coverage.
  • List SFMO as the certificate holder.
  • Show the effective and expiration dates of the coverage.

Important reminders

  • Certificate must be signed by an individual who is a licensed general lines or surplus lines agent in Texas. A company stamp will not be accepted.
  • Registered companies with an expired insurance certificate are in violation and will no longer be listed on our search page.
  • We won’t approve license renewals or new applications until you’ve met all insurance requirements.
  • Your policy must cover activities performed by someone designated as an agent or employee of the company.
  • You must make sure that a current certificate of insurance is on file with the SFMO. Email: FMLicensing@tdi.texas.gov

Example

Image description is below.

Certificate of Liability Insurance

The Certificate of Liability Insurance form with the following fields highlighted:

Producer – Insurance agent or broker who issues the certificate

Name of Insured – The company or owner’s name, assumed name, and address. Must be the same as shown on the certificate or application filed with SFMO.

Insurer(s) Affording Coverage – The name of the company as listed with the TDI. Include the NAIC number.

Type of Insurance – The General Liability box must be checked.

Policy Type – The OCCUR box must be checked.

Policy Number – You must list the policy number. Indicating TBD isn’t acceptable.

Policy Effective Date – Must be earlier than or the same as the expiration date of the last insurance certificate filed with SFMO. (Show no lapse in coverage.)

Policy Expiration Date – Required.

Limits of Insurance – Must be at least $100,000 of combined single limits per occurrence and $300,000 total for policy year. Products and completed operations coverage are required.

Limits of Insurance for Public Fireworks Display Permits –Must be $500,000 combined single limits per occurrence. Products and completed operations coverage aren’t required.

Description of operations – Indicate the types of business covered.

Certificate Holder – Must be listed as the State Fire Marshal’s Office.

Authorized Representative – Must be signed by a general lines or surplus lines agent licensed in Texas, as appropriate. Print the agent’s name and license number.

For more information, contact: FMLicensing@tdi.texas.gov

Last updated: 5/13/2024