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Texas Contractor Insurance Coverage
🛠 Build Bold. Cover Smart. Protect Every Project.
From concrete crews in Corpus Christi to commercial builds in Dallas and high-end remodels in Austin, construction in Texas is more than just blueprints and bid forms — it’s a daily battle with lawsuits, injury claims, licensing requirements, stolen tools, and client disputes.
And when something goes wrong on-site?
You don’t need a vague, boilerplate policy.
You need specialized protection built for Texas contractors — backed by a team that understands municipal codes, subcontractor liability, OSHA standards, and client contract compliance.
At WorkersInsurance.com, we insure general contractors, specialty trades, subcontractors, and construction startups with policies that don’t just satisfy paperwork — they survive the courtroom, the jobsite, and the claim adjuster.
🧠 Serving GCs, electricians, plumbers, roofers, carpenters, drywall crews, and multi-crew builders across the state of Texas.
PROTECT YOUR Contracting Business WITH WORKERS' INSURANCE
🏗️ General Liability Insurance for Contractors
Covers third-party injuries, property damage, and legal claims caused by your work. If a homeowner’s kitchen is damaged during a remodel, or a passerby is injured near your jobsite, General Liability pays for medical bills, repairs, and defense costs.
Texas Focus: Most commercial contracts and municipal bids across Dallas–Fort Worth, Houston, Austin, and San Antonio require at least $1M/$2M GL limits. Many general contractors won’t hire subcontractors without proof of coverage — making this policy essential for winning profitable jobs and avoiding costly lawsuits.
🦺 Workers’ Compensation Insurance
Protects employees — from apprentices to foremen — if they are injured while working. Covers medical expenses, lost wages, and rehabilitation services.
Texas Law: Texas is the only state where Workers’ Comp isn’t universally mandated, but many large-scale projects, municipal bids, and GCs require it. Opting in also shields you from direct employee lawsuits through exclusive remedy protections. For high-risk construction trades, this is a must-have safety net.
🚚 Commercial Auto Insurance
Personal policies don’t cover vehicles used for work. Commercial Auto protects trucks, vans, and trailers transporting tools, crews, and materials.
Texas Reality: Contractors often travel long distances between job sites — from metro traffic jams to rural backroads. Accident exposure is high, and with Texas having one of the highest highway fatality rates in the U.S., the financial risk of an uninsured accident can be catastrophic.
🧰 Tools & Equipment Insurance
Covers power tools, saws, compressors, generators, scaffolding, and other job-critical gear against theft, loss, or accidental damage.
Why It Matters in Texas: Tool theft is rampant in Texas construction hubs. A stolen trailer full of equipment could cost tens of thousands and stall your projects for weeks. With coverage, you replace stolen gear quickly and keep projects moving.
🏗️ Inland Marine Insurance
Protects mobile equipment, job materials, and supplies while in transit or stored temporarily off-site.
Example: You’re transporting steel beams and framing equipment for a Houston build, and the trailer is stolen overnight. Inland Marine ensures you recover quickly without absorbing a massive financial loss.
🛡️ Professional Liability Insurance (Errors & Omissions)
Protects against claims of negligence, faulty design, or project errors that cause financial harm.
Texas Note: Required for many government bids and large commercial projects, especially for contractors providing design-build services or handling structural engineering components. Even if the claim is unfounded, defense costs alone can be financially devastating without this coverage.
🔑 License & Permit Bonds
Many Texas cities and counties require contractors to carry bonds before issuing permits. These bonds guarantee compliance with state and local building codes while protecting clients from contractor misconduct or abandonment.
Important: Bond amounts vary widely — from $5,000 in smaller towns to $25,000+ in major metros like Dallas, Houston, or San Antonio. Without active bonds, you can lose permit approval and delay projects.
🏢 Commercial Property Insurance
Protects your business office, warehouse, or storage yard from perils like fire, theft, and severe weather.
Texas Risk: With Texas prone to hurricanes, tornadoes, and hailstorms, property coverage is crucial for safeguarding inventory, records, and materials stored on-site.
💻 Cyber Liability Insurance (Optional but Growing Need)
Covers losses from cyberattacks, ransomware, or stolen client data — including project blueprints, payroll systems, and invoicing platforms.
Texas Trend: As construction companies move to digital scheduling and project management systems, cyber threats are on the rise. A breach could expose sensitive client information and lead to lawsuits or reputational damage.
Texas Contractor Insurance Overview
🔹 What Insurance Does a Texas Contractor Actually Need?
To stay licensed, protect your work, and meet client and GC demands, your policy should include:
✅ General Liability ($1M/$2M Standard)
Covers third-party property damage or bodily injury. Required for permits, bids, and nearly every commercial contract.
✅ Contractor’s Bond (City/County Specific)
Many municipalities (Houston, Austin, San Antonio) require a bond to pull permits or maintain registration.
✅ Commercial Auto Insurance
Covers your work vehicles, trailers, and transportation. Personal auto won’t protect you during a jobsite run.
✅ Tools & Equipment (Inland Marine)
Protects gear like compressors, generators, nail guns, ladders — whether it’s in transit, on-site, or stolen from your truck.
✅ Workers’ Compensation OR Occupational Accident + Employer Liability
Texas doesn’t mandate Workers’ Comp — but you’re still liable for crew injuries. Choose wisely or pay dearly.
✅ Professional Liability (E&O)
If your scope involves design/build, engineering, or inspections — this is your legal defense when your advice is blamed.
✅ Excess/Umbrella Liability
Needed for high-value projects, commercial GCs, or to meet Additional Insured contract demands.
This isn’t off-the-shelf insurance.
It’s permit-passing, contract-proofed protection, purpose-built for Texas contractors.
🔒 Pro Tip: Smart Coverage for Elite Business Owners — Bundle & Save Without Cutting Protection
🔹 As You Scale, So Does Your Coverage
Taking on bigger jobs? Hiring more subs? Your risks evolve. We ensure your policy scales with your operation:
- Installation Floaters – Covers materials stored off-site before installation (e.g., windows, tile, flooring).
- Business Interruption Coverage – Replaces income lost due to jobsite injuries, fires, lawsuits, or shutdowns.
- EPLI (Employment Practices Liability) – Defends against employee lawsuits like harassment, wage disputes, or wrongful termination.
- Cyber Liability – Protects bidding systems, customer data, and online payment platforms.
- Hired & Non-Owned Auto – Covers employees using personal or rented vehicles for business errands.
Your ambition deserves proactive coverage — not retroactive regrets.
💡 Solution: We customize every policy stack based on your operation scope, structure, and risk — no bloated premiums, no missing coverages.
🔹 Real Claims Filed by Texas Contractors
📍 Lawsuit After Fire – Houston:
An electrical subcontractor was blamed for faulty wiring that led to a fire. Our policy’s GL + E&O combo absorbed $410K in legal defense and damages.
📍 Tool Theft – San Antonio:
$36K in gear stolen from a trailer overnight. Inland Marine paid in full — zero downtime.
📍 Fall Injury – Austin:
1099 painter fell from scaffolding. No Workers’ Comp — client sued for negligence. Our Occupational Accident policy plus contingent liability protected both contractor and project.
📍 HVAC Damage – Dallas:
A framing crew accidentally broke ductwork during a build-out. GL kicked in immediately — claim paid without a lawsuit.
📍 Unpaid Wage Complaint – Waco:
Subcontractor filed DOL complaint. Our EPLI defense team settled the dispute, preserving the contractor’s GC relationship and license.
💬 Even a single accident, misunderstanding with an employee or client dispute can expose you to six-figure liability without the right policy.
🧠 Why Texas Contractors Trust WorkersInsurance.com
✅ Municipal Mastery
We know permit offices from Houston to Harlingen — and tailor policies to city-level requirements and bond needs.
✅ Subcontractor Strategy
Our coverage includes subcontractor compliance, certificates, and audit prep — so you’re not held liable for someone else’s mess.
✅ Jobsite-Proven Protection
We anticipate claim scenarios before they happen — from chemical exposure to ladder falls to alleged negligence.
✅ Fast, Friendly, and Fully Transparent
Same-day quotes. Human conversations. No jargon. Just experienced protection that earns its premium.
✅ Rapid Quotes. Fast Documents. Same-Day COIs.
We move as fast as Texas weather changes — so you can lock in jobs and stay protected.
🔒 With WorkersInsurance.com — you’re shielded. Let's Talk!
Priority Concerns & SOLUTIONS
✅ “What if someone gets injured on my job site — am I personally liable?”
This is every contractor’s worst fear: A worker falls off a roof in San Antonio or trips over materials in Dallas. You didn’t push them. You didn’t cause it. But you own the company — and that makes you the target.
💣 Here’s the Risk:
In Texas, Workers’ Comp is optional — but injury lawsuits are not. If you don’t carry workers’ comp or occupational accident coverage, an injured worker (even a 1099) can sue you for negligence, medical bills, and lost wages. One claim can trigger six-figure litigation and pierce your corporate veil.
🛡️ Solution:
We structure either Workers’ Compensation or Occupational Accident plans based on your payroll, trade, and risk tolerance — with options that include employer liability, disability, and accidental death & dismemberment. We make sure you’re protected from both state audit exposure and courtroom litigation.
✅ “What if my client sues me over something I didn’t do?”
Let’s say your drywall team finishes a project in Houston. A month later, the property owner finds water damage and blames you. Even if the fault was the plumber’s — you’re named in the lawsuit because you were on-site.
💣 Here’s the Risk:
Construction lawsuits can cost $30,000+ in legal fees — even when you’re not at fault. Your business and your personal assets are exposed without the right General Liability and legal defense coverage. Worse, a judgment against you can follow you for years.
🛡️ Solution:
We write General Liability policies with $1M/$2M minimum limits, but we go further:
• Contractual Liability coverage (for GC/owner contracts)
• Products/Completed Ops (for post-job liability)
• Defense Outside the Limits (so legal costs don’t eat into your coverage)
This protects you whether you caused the damage — or just got blamed for it.
✅ “I need a specific COI to get paid — and I need it fast.”
Most contractors lose jobs or payments not because of lack of insurance — but because of slow COI delivery, or missing wording required by a GC or city inspector.
💣 Here’s the Risk:
Generic insurance policies don’t include Waivers of Subrogation, Additional Insured (CG 2010/2037), Primary & Non-Contributory language, or Per-Project Aggregate — and without that, GCs and city permit offices will reject your COI. That means delays, lost revenue, and job site bans.
🛡️ Solution:
We prepare Texas-compliant, GC-ready COIs that include all required endorsements. You’ll get:
• Same-day delivery
• Exact language per contract
• Backup proof for audits and inspections
💡 Plus, we proactively store your COIs for rapid redelivery and automatic renewal support.
✅ “What happens if my tools or trailer get stolen or damaged?”
Theft and vandalism are rampant across Texas job sites — especially in Houston, Austin, and along I-35. Whether it’s a break-in at night or weather damage mid-project, uninsured equipment loss can halt your momentum instantly.
💣 Here’s the Risk:
Without Inland Marine (contractor tools) and Property/Equipment coverage, stolen or damaged tools mean out-of-pocket replacements — and lost workdays you can’t bill for. Most policies don’t cover rented or borrowed tools either.
🛡️ Solution:
We provide Inland Marine coverage that travels with your tools, trailers, and small equipment — whether in your truck, at a job site, or in a storage unit. We can also add Rental Reimbursement and Blanket Equipment Riders so you’re never stuck or stalled by surprise loss.
✅ “How can I protect my truck or van that hauls all my gear?”
Your truck isn’t just transportation — it’s your mobile office, tool vault, and revenue generator. Whether it’s a total loss accident or parked theft, if your vehicle’s down, your business is down.
💣 Here’s the Risk:
Personal auto insurance does not cover business use. If you drive to job sites, carry tools, or subcontract employees, you need Commercial Auto coverage — or you risk denial of claims, lawsuits, and noncompliance with contracts.
🛡️ Solution:
We write true Commercial Auto policies — not just personal policies with a “business use” checkbox. Coverage includes:
• $1M liability
• Owned, borrowed, and rented vehicles
• Trailer coverage
• Uninsured/underinsured motorists
• Optional Physical Damage and Rental Reimbursement
We also provide DOT-compliant filings if required for your fleet or larger projects.
✅ “I’m growing and taking bigger jobs — how do I protect everything I’ve built?”
You’ve added crews. Taken on subcontractors. Landed multi-phase or multi-unit contracts. Growth is good — but your liability now extends across more job sites, more workers, more risk exposure, and higher contract scrutiny.
💣 Here’s the Risk:
Your original policy limits may no longer cover the scale of your operations. A $2 million umbrella claim could exceed your policy cap, trigger contract breach, or result in personal asset seizure — especially if you don’t have an LLC or legal firewall in place.
🛡️ Solution:
We scale your policy as your business grows. That may include:
• Umbrella/Excess Liability (for projects exceeding GL limits)
• Hired & Non-Owned Auto (for crews using personal vehicles)
• Errors & Omissions (E&O) if you’re doing design-build
• Employment Practices Liability as you hire staff
We also provide annual coverage audits and policy reviews to make sure you’re never under-protected as you scale.
🔒 Pro Tip: Let us review your contracts, unique needs, and recommend the right level.
Licensed Insurance Partners
Experience Coverage with Peace of Mind
Top Rated Licensed Insurance Partners for Contractors, Truckers, Tradesmen and Business Owners
WorkersInsurance.com proudly partners with America's most trusted MGAs and carriers to ensure every Client gets fast, fair, and fully compliant coverage.
Not locked into one carrier — we shop the best advantage based on your risk class and payroll.
Why Choose WorkersInsurance.com?
Because you don’t need a maze of forms, confusing laws, or sketchy salespeople. You need:
- Fast, compliant coverage from experienced agents
- Sean Belding is licensed in CA, TX, & AZ
- Licensed partners in all 50 states
- Specialized knowledge for your industry
- Real-time quotes with no obligation
- Support you can trust
WorkersInsurance.com helps to craft elite policies—we are also able to connect you with handpicked, A+ Top-Rated, US-based experts.
But more importantly, we filter out the fluff and only connect you with our licensed, reputable professionals who know how to get you covered—fast.