Insurance for Texas Contractors
From general contractors to specialty trades, we protect the people who build Texas. GL, workers comp, bonds, and more.
Contractor Coverage Solutions
General Liability
Protection from third-party claims on your job sites.
- $1M/$2M limits
- Completed operations
- Products liability
- Per-project coverage
Workers Compensation
Coverage for your employees if they're injured on the job.
- Texas WC coverage
- All trade classes
- Experience mod management
- Pay-as-you-go options
Tools & Equipment
Protect your valuable tools and equipment.
- Theft coverage
- Job site protection
- Replacement cost
- Leased equipment
Commercial Auto
Coverage for your work trucks and service vehicles.
- Trucks & pickups
- Tool trailers
- Hired auto
- Fleet discounts
Surety Bonds
Performance, payment, and license bonds.
- Bid bonds (often free)
- Performance & payment
- License bonds
- Fast turnaround
Builders Risk
Coverage for projects under construction.
- New construction
- Renovations
- Materials in transit
- Soft costs
Trades We Insure
We work with contractors across all trades and specialties.
Get Your Contractor Quote
Tell us about your contracting business and we'll find competitive rates from carriers who specialize in your trade.
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Contractor Insurance FAQs
What insurance do contractors need in Texas?
Most Texas contractors need general liability, workers compensation (if they have employees), commercial auto, and tools coverage. Many jobs also require surety bonds. Requirements vary by trade and contract.
How much does contractor insurance cost?
Contractor insurance costs vary by trade, revenue, and employees. General liability typically runs $500-2,000/year for small contractors. Roofers and high-risk trades pay more. Contact us for a personalized quote.
Do I need workers comp if I'm a solo contractor?
In Texas, workers comp isn't technically required if you have no employees. However, many GCs and commercial jobs require it, and it protects you if you're injured. We offer affordable options for solo contractors.
Can you help with bonding requirements?
Absolutely. We work with surety companies to help contractors get bonded. Whether you need a license bond, bid bond, or performance & payment bond, we can help.