Insurance for Texas General Contractors
General contractors carry more risk than almost any other trade — you're responsible for the entire project, every subcontractor on site, and every phase of construction. We work with GCs across Texas on projects ranging from residential remodels to large commercial builds. We know what owners, lenders, and municipalities require, and we'll make sure you're covered at every stage.
Key Risks
- ⚠Third-party injuries on your job site — you're responsible as the GC
- ⚠Subcontractor work that causes damage or injury — you can be held liable
- ⚠Property damage to the project or neighboring structures
- ⚠Employee injuries across multiple trades and job sites
- ⚠Vehicle accidents with company trucks and equipment
- ⚠Completed operations claims after project handover
Required Coverages
General Liability
The foundation of GC insurance. Covers third-party injury and property damage on your projects.
Workers Compensation
Required for your employees and often required from all subs you hire.
Commercial Auto
Covers your trucks, vans, and equipment transport.
Builders Risk
Covers the project under construction from fire, theft, vandalism, and weather.
Umbrella Excess
Extra liability coverage for larger projects that require higher limits.
Job Requirements
- ✓Most commercial projects require $1M/$2M GL limits minimum
- ✓Lenders typically require builders risk before construction begins
- ✓Workers comp required for all employees and often all subs
- ✓Many municipalities require contractor registration and proof of insurance
- ✓COIs required from all subcontractors before they start work
Frequently Asked Questions
Am I liable for my subcontractors work?
As the GC, you can be held responsible for work performed on your project — even by subs. That's why requiring COIs from all subs and carrying adequate GL limits is critical.
What is builders risk insurance?
Builders risk covers the structure under construction from fire, theft, vandalism, and weather damage. It's typically required by lenders and project owners before construction begins.