Contractors’ insurance protects against the financial risks present at all stages of business operations.
The Texas construction industry is big business. Where you find construction, you’ll find plenty of risks. Operating safely through hazardous work conditions is a consequential test that leaves builders and artisans of all trades susceptible to employee injury and third-party property damage claims. Establishing a financial hedge around your business has never been more critical to protect against unforeseen third-party action.
All contractors who wish to operate in Texas are encouraged to visit the Texas Department of Licensing and Regulation to review license and insurance requirements before commencing operations.
With low premiums suited for any budget, our team of professionals is available to assist Texas contractors with taking the necessary steps for an inexpensive, well-balanced commercial insurance portfolio.
Texas contractors’ general liability is an integral component of a robust insurance package.
A Texas contractors’ general liability policy shields your business from financial loss resulting from incidents such as third-party bodily injury and property damage lawsuits.
Texas contractors’ general liability insurance provides essential coverage for:
Texas contractors’ workers’ compensation is a “no-fault” system that will protect your employees if they are injured or become ill from a job-related incident.
A Texas contractors’ workers’ comp policy provides injured employees with benefits that pay medical expenses, lost wages, and death and burial expenses.
Texas contractors’ workers’ compensation insurance protects employers from financial liability incurred by medical and legal expenses if sued by an injured employee.
Unlike a Texas contractors’ insurance policy, Texas contractors’ surety bonds are similar to a line of credit that protects a contracted party if the bid obligations are incomplete.
Many large construction projects require a Texas contractor surety bond before being allowed to bid or start work on a project.
Texas contractors’ commercial auto insurance protects your company vehicles damaged from accidents, vandalism, or theft.
Texas contractors’ commercial auto insurance covers your business vehicles if you or an insured driver are liable for an at-fault accident.
The Texas contractors’ commercial auto policy provides coverage for bodily injury and property damage expenses if a business vehicle is involved in an accident.
Texas contractors’ tool and equipment insurance will reimburse your business for such common perils:
Texas contractors’ inland marine insurance provides coverage for business tools, equipment, and material at a job site, in transit, or stored at an off-site location.
A Texas contractors’ inland marine policy provides “installation” risk coverage.