Contractor Insurance in Texas
Who we help in Texas
We primarily support:
- Roofing contractors (residential and commercial) →
- General contractors (subs-heavy and self-performing models) →
- Plumbing contractors (service, retrofit, and new construction) →
What Texas contractors come to us for:
- Multi-carrier shopping (independent broker approach)
- Faster COIs and clearer endorsement requests for portals, bids, and job starts.
- A clean quote checklist that helps underwriting move quicker
Common compliance requirements we help with in Texas
- Certificate of Insurance (COI): what it proves, what it does not, and how to request it correctly
- Additional Insured (AI): endorsement expectations, not just a COI checkbox
- Primary and Noncontributory (PNC): “who pays first” requirements that can trigger rejections
- Waiver of Subrogation (WOS): commonly required and easy to mishandle without the exact clause
- Premium audits: why they happen and what documentation reduces surprise bills
- Contractor class codes: how duties and payroll splits impact workers’ comp
- Subcontractor insurance compliance: what to collect from subs and how to track renewals
Coverage types we place for Texas contractors
Core policies contractors ask for most often:
Common add-ons depending on trade and contract:
- Ghost Policy (where applicable, and with clear disclosures) →
- Contractor Bonds →
- Tools and Equipment (Inland Marine) →
- Umbrella / Excess →
- Builder’s Risk →
- Professional Liability (E&O) →
Start with your trade in Texas (quick links)
Trade-specific guidance usually answers the fastest questions: what you typically need, what affects pricing, and what causes COI rejections.
If you already know the policy you need:
Choose your Texas metro
These city pages route you to trade and policy pages for the metro you work in.
- Dallas–Fort Worth →
- Houston →
- San Antonio →
- Austin →
- El Paso →
- Corpus Christi →
- McAllen →
- Lubbock →
Not seeing your city? Use the quote form and select your closest metro. We serve Texas and surrounding areas.
These are the most common combinations contractors need for bids, onboarding, and job starts.
Roofing contractors (Texas)
General contractors (Texas)
Plumbing contractors (Texas)
Fast quote checklist (what we need to move quickly)
Faster quotes come from clean underwriting inputs: trade, job types, payroll, revenue, subs, and the compliance packet if you have one.
When you start , you will typically be asked for:
- Trade (roofing, GC, plumbing) and where you work in Texas
- Years in business and a short description of job types
- Revenue range and payroll range (estimated is fine to start)
- Subcontractor usage percentage (rough estimate)
- Claims history (basic summary)
- Current coverage (if any) and target effective date
- Optional upload: bid packet insurance requirements, prior COIs, or current declarations pages
If your situation is compliance-driven (example: “need a COI today”), say that clearly in step 1 so it can be routed correctly.
Contractor insurance in Texas
Do you have an office in Texas?
We do not claim a local office presence. We serve Texas contractors and surrounding areas, with a focus on fast quoting and compliance support.
What insurance do contractors usually need in Texas?
Most contractors start with General Liability, Workers’ Comp, and Commercial Auto, then add tools coverage, umbrella, bonds, builder’s risk, or E&O depending on trade and contract requirements.
How fast can I get a COI for a Texas job?
COI timing depends on the carrier, the certificate holder details, and whether endorsements are required. If you are an existing client, use Request a Coi and include the requirement clause and job details for the fastest turnaround.
What causes COIs to get rejected most often?
Wrong legal names, missing jobsite details, limits that do not match the packet, and assuming a COI note equals an endorsement. Start here
What does “Additional Insured” mean and why do GCs ask for it?
It is a common contract requirement tied to liability and risk transfer. The wording matters, and requirements vary by contract, project, and carrier. Learn more
What is Primary and Noncontributory and do I need it?
It is a common compliance requirement that affects which policy responds first. If it is in your contract or portal, treat it as a separate item to verify.
Why do contractors get premium audit bills?
Audits reconcile estimated payroll, class codes, sales, and subcontractor costs against actuals. Surprise bills often come from unclear job duties or missing subcontractor proof.
I use subcontractors. What insurance proof should I collect?
You typically need to collect and track subcontractor COIs and renewals to meet contract requirements and reduce audit problems.
