What insurance does a general contractor need in Texas?

At minimum, Texas GCs need general liability, workers' compensation, and commercial auto insurance. Most also need umbrella, inland marine, and builder's risk coverage depending on project types.

How much does general contractor insurance cost in Texas?

A comprehensive insurance package for a Texas GC typically costs $5,000 to $25,000+ per year, depending on revenue, payroll, number of employees, and project types.

Do I need to verify my subcontractors' insurance?

Yes. As a GC, you can be held liable for uninsured subcontractors' work. Always collect and verify certificates of insurance (COIs) from every sub before they start work.

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Insurance for Texas General Contractors

Comprehensive coverage packages designed for the unique risks of general contracting in Texas.

Average Insurance Cost: $5,000 – $25,000+/year

Insurance for General Contractors in Texas

General contractors face some of the broadest risk exposures in the construction industry. As the party responsible for coordinating entire projects, GCs are liable for the work of subcontractors, the safety of job sites, and the quality of the finished product. A comprehensive insurance program is essential — not just for protection, but because most project owners and lenders require it before work can begin.

Common Risks for General Contractors

Third-party injuries on job sites you manage

Property damage to existing structures during renovation

Subcontractor-related liability exposure

Vehicle accidents while transporting materials and crews

Employee injuries in high-risk construction environments

Completed operations claims after project handover

Professional liability for design-build projects

Tool and equipment theft from job sites

Recommended Coverage for General Contractors

General Liability

Foundation of your insurance program — required by virtually all project owners and clients.

Workers' Compensation

Covers employee injuries — essential for managing crews on construction sites.

Commercial Auto

Covers your fleet of trucks, vans, and equipment vehicles.

Umbrella / Excess

Extra liability protection for large projects and high-value contracts.

Inland Marine

Protects your tools and equipment at multiple job sites.

Builder's Risk

Covers structures under construction from fire, wind, and theft.

Frequently Asked Questions

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