contractor insurance
Contractor Insurance for Texas
Contractors & Construction Businesses
Protecting Your Construction Business
The construction industry is one of the most rewarding—and most high-risk—fields in Texas. From accidents on job sites to property damage or lawsuits, contractors face exposures every day. Contractor insurance in Texas is designed to protect general contractors, subcontractors, and specialty trades across Central Texas. Highview Insurance Group knows the challenges local builders face and provides tailored policies to fit your trade, whether you’re framing homes in Waco or remodeling kitchens in Marble Falls.
Essential Coverage Details
Contractors often need multiple policies to stay protected and competitive:
General Liability
Covers third-party injuries and property damage on job sites.
Workers’ Compensation
Protects employees with medical and wage coverage.
Commercial Auto
Required for work trucks, vans, or fleet vehicles.
Builder’s Risk
Covers structures under construction.
Contractor’s Equipment
Inland marine coverage for tools and heavy machinery.
Surety Bonds
Often required for certain licensed trades or government jobs.
General Contractors vs. Subcontractors
Insurance needs aren’t the same for everyone. General contractors often need higher liability limits and must verify that subcontractors are insured. Subcontractors, on the other hand, usually need to show proof of coverage to even get hired. Whether you’re a home builder, electrician, plumber, roofer, or remodeler, Highview Insurance Group helps assess the right coverage mix for your business.
Texas Contractor Insurance Requirements
Texas doesn’t mandate general liability or workers’ comp for all contractors, but most projects require proof of both before you can step on site. Certain licensed trades, such as electricians or plumbers, may also face bonding or insurance requirements at the city or county level. Having coverage in place keeps you compliant, competitive, and ready for larger contracts.
Competitive Rates for Small Contractors
Highview Insurance Group specializes in helping small and growing contractors secure affordable coverage. We compare policies across multiple carriers and look for ways to keep premiums reasonable—whether that means bundling policies, rewarding a good safety record, or customizing coverage for your trade.
Request a Contractor Insurance Quote
Get a contractor insurance package that fits your work and your budget. Highview Insurance Group will help you meet contract requirements and protect your livelihood.
Frequently Asked Questions About Contractor Insurance in Texas
What insurance is required for contractors in Texas?
Texas doesn’t require all contractors to carry insurance by law, but most contracts demand general liability and often workers’ comp.
Can subcontractors work without insurance?
Technically yes, but most GCs won’t hire uninsured subs. Proof of coverage is usually required.
How much does contractor insurance cost?
Premiums vary based on trade, revenue, payroll, and claims history. See our page on contractor insurance costs for details.