Contractors Insurance Information
Our agency has been writing insurance for contractors since our agency inception in 1984. We have the technical knowledge to understand the unique insurance needs of a contractor and are committed to providing the service required on a timely basis. Serving contractors is all about providing certificates of insurance on time. Unless our agency has to place new insurance or additional amounts of insurance, we can generally issue a certificate of insurance on the same day it is requested.
Whether you are a general contractor, a subcontractor, or an artisan contractor, you have come to the right place for all of your insurance needs. We write insurance for painters, drywall, plumbers, electricians, heating and air conditioning (HVAC contractors), lawn care, landscapers, elevator inspectors and repairmen, roofers, handyman, carpenters, cabinet makers, concrete, masonry, excavation, fence, asphalt parking lot, flooring contractors, tile contractors, carpet cleaners, carpet installers, janitors and many other types of contractors.
Each type of business has special needs and exposures and a business owner will want to make sure that you are dealing with an agent who understands your type of business. Our agency writes a lot of contractors and we have published an article Insurance Tips for Contractor Start-Ups
which you can print off and study. The article identifies and explains many different types of insurance that a new business will need.
Many insurance companies will not write insurance for a contractor until they have been in business for at least three years, but our agency works with a lot of start-up companies and we can provide a free price quote for most contractors that will enable the owner to determine if they can cost justify the insurance required for the job that they are bidding.
Most contractors are required by contract to provide:
- General Liability
- Auto Liability
- Workers Compensation
Optional types of insurance are:
- Umbrella Liability
- Contractor’s Equipment
- Installation Floater or Builders Risk
- Property Insurance
- Fidelity or Surety Bond
- Professional Liability
Contractors often ask, "Is Workers Compensation Insurance mandatory in Texas?" For an answer to this question, please see article entitled Workers Compensation vs Non Subscription Insurance in Texas