general contractor insurance
General Contractor Insurance
in Texas
Coverage Overview for General Contractors
General contractors carry the most responsibility on a project. Whether it’s a residential build in Waco, a municipal job in Temple, or a commercial renovation in Killeen, liability flows back to the GC. That includes accidents, injuries, property damage, or even disputes about workmanship.
A typical Texas general contractor insurance package includes:
General Liability
protection from third-party injury or property damage claims
Workers’ Comp
medical bills and wage replacement for injured employees
Commercial Auto
coverage for company vehicles and crew driving for work
Builder’s Risk
property coverage for the structure while under construction
Umbrella Coverage
added liability protection for larger claims
Contract Requirements & Licenses
Most project owners, lenders, and municipalities require proof of insurance before work begins. It’s common for contracts to mandate liability limits of $1M or higher, auto coverage for company trucks, and workers’ comp coverage for all employees. Without these, you can lose out on jobs.
Highview Insurance Group makes compliance simple by issuing Certificates of Insurance quickly—helping you start projects without delays.
Risk Management for Builders
Insurance is just one piece of the puzzle. General contractors are also expected to:
- Maintain OSHA-compliant job sites
- Verify subcontractors carry their own coverage
- Document safety programs to reduce claims
Highview Insurance Group doesn’t just write policies—we act as a risk partner, helping GCs identify gaps and control long-term insurance costs.
Cost of Insurance for General Contractors
Premiums for general contractors depend on:
Project type (residential remodels vs. multi-story commercial builds)
- Annual revenue and payroll
- Subcontractor usage and vetting
- Claims history
Remodeling contractors may pay a fraction of what large GCs pay for downtown developments. Highview Insurance Group shops across carriers to find competitive rates for your profile.
Get a Quote for Your Contracting Business
Build your next project with confidence. Highview Insurance Group helps Texas general contractors secure tailored policies that meet contract requirements and protect against real risks.
Frequently Asked Questions About General Contractor Insurance in Texas
What insurance do I need as a GC in Texas?
Most carry general liability, workers’ comp, auto, builder’s risk, and sometimes umbrella coverage.
Do general contractors have to insure subcontractors?
No, but you’re responsible for ensuring subs have their own coverage—or else their claims may fall on your policy.
How quickly can I get proof of insurance?
Highview Insurance Group provides Certificates of Insurance quickly so projects don’t stall.