What Contractor Insurance Covers
General Liability
Injuries and property damage you cause on a job site, plus the certificate most general contractors require before you start.
Tools & Equipment
Pays to repair or replace stolen or damaged tools and gear, on the job, in the truck or in storage.
Commercial Auto
Covers work trucks and trailers that personal auto policies often exclude when used for business.
Workers' Compensation
Medical bills and lost wages if a crew member is hurt on the job, plus the protection a GC may demand.
Umbrella
Extra liability limits on top of your other policies when a contract calls for $2 million or more.
Who We Help
Roofers & Storm Restoration
Builders & Remodelers
Electricians, Plumbers & HVAC
Concrete, Fencing & Landscaping
Contractor Insurance FAQs
Do I need insurance to be a contractor in Texas?
Texas has no statewide license or insurance rule for most general contractors, but nearly every GC, homeowner's lender and city permit office will ask for proof of general liability before you work.
How fast can I get a certificate of insurance?
Once your policy is active, we can usually turn a certificate of insurance around the same business day, including additional-insured wording a GC asks for.
What does contractor insurance cost in Lubbock?
It depends on your trade, payroll, revenue, claims history and the limits you need. Roofing costs more than painting. We'll compare options and walk you through the numbers.