Your guide to
Contractors Insurance in Texas
Whether you run a crew or work on your own, your jobs, tools and trucks all carry risk. Our agency helps contractors and people in the trades understand the coverage their work may call for, in English or Spanish.
What it covers
Coverage contractors often combine
Many contractors carry several coverages to protect the work, the tools and the people on the job. What fits depends on your trade, your contracts and your crew.
Tap any part and the quote form opens with it already noted.
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General liability
Helps if your business is held responsible for injuring someone or damaging someone else's property during or after a job.
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Tools and equipment
Often called inland marine, it can protect tools and equipment that move between your shop, your truck and job sites.
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Commercial auto
Helps protect the trucks, vans and trailers you use for work, with liability and physical damage options.
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Workers' compensation
Can help with medical costs and lost wages when a crew member is hurt on the job. Some contracts may require it.
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Builder's risk
Can protect a building under construction and materials on site from covered losses like fire or theft, depending on the policy.
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Surety bonds
Some licenses, permits and contracts require a bond that backs your promise to follow the rules or finish the job.
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Commercial umbrella
Adds liability limits above certain underlying policies, which some larger contracts may ask for.
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Why it matters
Read the insurance section of every contract
General contractors, property owners and public projects often set their own insurance requirements, such as specific limits, additional insured status or proof of workers' compensation. Not meeting a requirement can hold up a job or a payment.
Subcontractors you hire can also affect your coverage if they do not carry their own insurance. We can review your trade, your contracts and your crew with you and explain how the pieces fit together.
Ask every subcontractor for a current certificate of insurance before work starts on your job.
Answers
Contractors insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
It depends on your trade, your contracts and whether you have employees. Many contractors start with general liability and add tools and equipment, commercial auto, workers' compensation or bonds as needed.
An additional insured is a person or company added to your liability policy, often at a client's or general contractor's request, so they have certain protection related to your work. Terms depend on the policy and endorsement.
Even without employees, you can face claims for injury or property damage, and clients may ask for proof of coverage before you start. We can review your work and explain your options.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.