What Does Contractors Insurance Cover in Texas?
Texas contractors need GL, workers comp, commercial auto, tools coverage, and more. Here's what each policy covers and what it costs.
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Contractors insurance — explained
For contractors like HVAC, plumbing, electrical, roofing, remodeling, and other home services, a claim can happen fast: a customer slips near your work area, a ladder damages a homeowner's roof, or a completed job causes damage weeks later.
As an independent insurance broker, we shop multiple carriers and help you choose the right limits and coverage options so you can work confidently and win contracts.
What's covered vs. what's not?
Even strong GL policies have exclusions, limitations, and add-ons that matter especially for contractors. Here's a simple breakdown:
What's Covered?
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Customer bodily injury
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Property damage caused to a customer's property
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Completed operations
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Medical payments
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Defense costs
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Personal and advertising injury
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Contractors errors & omissions (optional)
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Subcontractor damage (optional)
What's Not Covered?
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Employee injuries (workers comp)
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Auto accidents (commercial auto)
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Errors/Omissions (contractors E&O)
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Faulty wordsmanship (optional)
Insurance built for real job sites
When something goes wrong on a project, you need coverage that responds fast and protects your business.
Prevention
We help you tighten the things that drive losses: jobsite checklists, safety habits, driver controls, documentation templates, and simple processes your team will actually follow. Fewer incidents means fewer claims — and fewer claims is one of the fastest ways to protect your pricing long-term.
Best-in-class
Insurance companies price what they can understand and trust. We help your business look "best-in-class" on paper with clean operations details, consistent COIs, subcontractor controls, clear scope descriptions, and a stronger underwriting narrative — which can lead to better eligibility, more favorable terms, and stronger coverage options.
Coverage structured for growing businesses
Growing crews, new job types, adding subs, new vehicles — most coverage issues come from change. We proactively review how you operate and adjust your setup so you don't get surprised by exclusions, missed endorsements, or contract requirements that weren't addressed upfront.
Simplifying Texas contractors insurance … one blog at a time
Find answers to all your contractors insurance questions in our free Texas Insurance Learning Center.
Partnership built for service contractors
Customized insurance programs built for everyday jobsite realities. Hit Get a Quote, fill out the form, and one of our brokers with reach out.
