If you have even one employee in California, you must carry workers compensation, and five licensed contractor classifications must carry it even with no employees at all. Texas is the opposite: coverage is generally optional for private employers, right up until a public project or the contract in front of you
Last updated: August 5, 2026 TL;DR: Concrete contractors pay a median-based average of about $119 per month for general liability, or $1,423 per year, according to Insureon’s concrete contractor policy data. Price moves with structural versus flatwork operations, payroll, vehicles, equipment values, claims, limits, and contract requirements. A $1 million per occurrence and
Last updated: August 2026 TL;DR: Framing contractors buy general liability at carpentry class pricing on the marketplaces and at framing class pricing from specialty programs, and the gap is wide. Insureon publishes an average of $94 per month for carpenters, while Farmer Brown, which runs a framing program, prices framing at
TL;DR Typical cost: $37 to $78 per month for electrician general liability in national carrier data (NEXT), with a $61 monthly median through Insureon. Modeled Texas figures run higher: MoneyGeek puts Texas electrical contractor general liability at $386 per month for a business with one to four employees, because it
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Published August 17, 2026 · Last updated August 18, 2026 TL;DR A solo California electrician should plan on roughly $700 to $1,400 a year for general liability, and a small crew on $1,400 to $4,000. Scope, revenue, payroll, crew size, limits and claims history move that number in either direction.
Texas does not require most private employers to carry workers compensation insurance. Your general contractor very often will. That is the whole answer in one sentence, and it is why most Texas contractors end up carrying coverage anyway: the contract is the real mandate, not the statute. If you do opt
Published trade figures run from about $51 to $420 per month for a $1 million per occurrence and $2 million aggregate general liability policy, but that band hides an enormous spread. A solo handyman and a roofing crew are not the same risk, and the same crew does not price the
TL;DR: Texas handymen typically pay about $40 to $100 per month for general liability, a rounded range supported by current published prices from NEXT, Insureon, Hiscox, and Thimble. Your work scope, annual revenue, crew size, claims record, and requested limits drive the final quote. Many client and GC contracts commonly ask
TL;DR: Flooring installers pay a median of about $63 per month for general liability, based on Insureon flooring and carpet installer policy data. Revenue, payroll, location, subcontractor use, claims, limits, and the exact flooring operations move the final price. The common $1M/$2M standard limits satisfy many contract requests, but the policy generally
TL;DR Published national carrier figures for handymen currently run from NEXT’s $35 to $55 monthly band to Thimble’s $96.94 average, so about $35 to $100 per month is an honest planning range for general liability. California pricing still depends on your exact work, revenue, payroll, crew, location, limits, and claims
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