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
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.