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Insurance for Texas General Contractors
As a GC, you carry the broadest liability on any project. You're responsible for the job site, your crew, your subcontractors, and the finished product. That means you need comprehensive coverage that protects against the full range of construction risks. We work with GCs across Texas — from small residential builders to large commercial outfits — and we know what project owners, lenders, and bonding companies require.
Risks General Contractors Face
Job site injuries to workers, subcontractors, or visitors
Property damage during construction or renovation
Subcontractor defects that you're held responsible for — this is a big one
Completed operations claims after project handoff
Contract disputes and construction defect lawsuits
Vehicle accidents involving your fleet
Coverage General Contractors Need
General Liability
The foundation — covers third-party injury and property damage on your projects.
Workers' Compensation
Covers your employees and satisfies subcontractor requirements.
Commercial Auto
Covers your trucks, trailers, and fleet vehicles.
Umbrella / Excess
Higher limits for larger projects and commercial contracts. Most GCs need this.
Surety Bonds
Performance, payment, and bid bonds for commercial and government work.
Builder's Risk
Covers the structure under construction from damage during the build.
Need Insurance for Your General Contractor Business?
We shop multiple carriers to find the best rate for general contractors in Texas.
Common Job Requirements
Project owners require $1M/$2M GL minimum, often $5M+ for commercial
Workers' comp required for all employees and often required from subs
Performance and payment bonds required for government and large commercial projects
Additional insured endorsements for project owners and lenders
Waiver of subrogation endorsements commonly required
Frequently Asked Questions
Get a General Contractors Insurance Quote
Tell us about your business and we'll find the best coverage options.
Let's get your coverage figured out.
Submit your info and we'll shop options from multiple carriers. Most quotes come back within one business day.