Business insurance / General contractors
Insurance for general contractors
Your contracts spell out the coverage you need: limits, additional insureds, waivers of subrogation. We build your policies to match, so certificates don't hold up a job.
Get a contractor quoteWhat a contractor program usually includes
Residential remodelers and commercial builders need different things. We'll start with the contracts you sign and the work you actually do.
General liability
Property damage and injuries from your work, including completed operations after the job is done.
Workers' compensation
Texas doesn't require it, but many project owners and general contractors won't let you on site without it.
Commercial auto
Pickups, work vans and trailers, plus coverage for employees using their own vehicles.
Tools & equipment
Inland marine coverage for tools and equipment at the shop, in transit and on the job.
Builder's risk
The structure itself while it's under construction or renovation.
Umbrella
Higher liability limits when a contract asks for $2 million or more.
Surety bonds
License, bid, performance and payment bonds.
Subcontractor review
We can help you check that your subs carry the coverage your contracts pass down to them.
Certificates on request
Need a certificate of insurance with a specific additional insured or waiver? Send us the holder's name, address and the contract wording and we'll prepare it.
Before you sign a contract
Send us the insurance section of any new contract. We'll tell you whether your current policies meet it, and what it would cost to close any gaps.