General Contractor Insurance in Texas

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What are the most common policies for general contractors in Texas?

The Lone Star State is home to 3.1 million small businesses, with construction being the number one industry for small business owners in the state. General contractor insurance for Texas businesses helps protect many of them.

Contractor insurance is shorthand for the different types of coverage available to general contractors, handymen, and other skilled tradespeople. This often includes commonly purchased policies, such as:

  • General Liability insurance – Texas contractors may consider a General Liability policy to protect against the risk of customer injury and property damage claims and lawsuits.
  • Business Owner’s Policy (BOP) – This combination of policies combines coverages such as General Liability insurance and business personal property coverage to help protect small businesses from costly interruptions to service.
  • Workers’ Compensation – These policies provide protection for employers if an employee suffers a work-related illness or injury.

Learn more about general contractor requirements in Texas and how to compare multiple quotes to find the best coverage to meet your business insurance needs.

Who needs general contractor insurance in Texas?

Insurance policies help general contractors protect their businesses. Many general contractors in Texas buy business insurance to help shield their business and personal bank accounts should the worst happen. Without insurance protection, you could be left out of pocket for unplanned medical bills, legal fees, and other expenses.

There are also times when you might need to have insurance coverage. The clients you work with may require that you have General Liability coverage. Workers’ Compensation insurance may also be necessary if you bid on government contracts.

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Which insurance policies are required for general contractors in Texas?

General contractor insurance for Texas general contractors, handymen and skilled tradespeople may be required in some situations.

General Liability

General Liability insurance for Texas contractors may be mandatory to work for specific clients, particularly if you are bidding on government contracts. Clients may require you to have a minimum amount of coverage. This is typically written into the business contract you both sign.

You may also need a General Liability policy if you plan to lease space for your business. Commercial landlords often require proof of insurance before renting a warehouse, office or other workspaces.

General Liability insurance is a practical way to safeguard your business finances. Without a policy, you could be responsible for paying third-party medical bills or compensation if someone is injured due to your actions. But instead of paying from your own pocket, your General Liability policy would help cover these costs for you.

Workers’ Compensation

Unlike other states, Texas does not require businesses to have Workers’ Compensation insurance. However, a policy may be necessary to bid on and accept government contracts.

Even if a policy is not required for your business, you might consider having one anyway. Workers’ Compensation insurance helps protect you against injury lawsuits brought by an employee or their family. Your policy could help you cover an employee’s medical bills, lost wages while they recover, and other expenses related to a workplace injury.

Business Owner’s Policy

While not a requirement for general contractors in Texas, Business Owner’s Policy (BOP) could provide your business with important protection. Your BOP can be customized to include coverages to suit your business’ unique needs. This might include protection for your tools and equipment, assistance during unplanned business interruptions, and other important types of insurance.

How much does general contractor insurance in Texas cost?

Every general contractor is unique, and so are their businesses. The amount you pay for general contractor insurance is determined by many factors. Your insurance premiums will probably be different than other contractors you meet on the job.

Factors that are commonly used to calculate business insurance premiums include (but are not limited to):

  • Where you’re located – What you might pay for general contractor insurance in Austin may differ from what you’d pay in other places, like Houston, Lubbock, or El Paso.
  • The size of your business – The amount you make each year (your annual revenue) may impact some types of general contractor insurance in Texas.
  • How much coverage you want – More coverage usually means a higher premium.
  • Your history of claims – Past insurance claims may impact how much you pay for insurance in the future.

How does BizInsure protect general contractors in Texas?

General contractors are busy, often managing multiple projects while lining up their next jobs. You don’t have time to waste when searching for insurance coverage.

That’s where BizInsure comes in. We make it simple to compare multiple quotes for general contractor insurance in Texas. In as little as 10 minutes, you can compare and buy coverage that fits your needs.

BizInsure can help you save on General Liability insurance for Texas contractors, handymen, and other skilled tradespeople. And while you’re sorting your General Liability coverage, you can buy a BOP and Workers’ Compensation insurance at the same time.

So if you’re looking for general contractor insurance in Houston, Dallas, Fort Worth or anywhere else in the Lone Star State, BizInsure can help you get instant coverage for your small business.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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