SUBcontractor insurance
Subcontractor Insurance
in Texas
Why Subcontractors Need Insurance
Even if Texas law doesn’t mandate it, most general contractors won’t hire uninsured subcontractors. Insurance protects your trade business from lawsuits, property damage, and helps you secure more contracts. Electricians, plumbers, roofers, framers, and other trades all benefit from coverage.
Key Coverages for 1099 Contractors
Essential coverages include:
General Liability
for accidents or property damage on a job site
Workers’ Comp
optional for sole proprietors but valuable protection
Commercial Auto
covers trucks, vans, and liability from driving to jobs
Tools & Equipment Coverage
protection for gear from theft or damage
Business Owner’s Policy (BOP)
combines liability and property for affordable coverage
Cost-Effective Options for Small Trades
Many subcontractors are one-person businesses or small crews. Highview Insurance Group builds affordable coverage packages that still satisfy contract requirements, ensuring you stay competitive without overspending.
Certificates of Insurance & Compliance
Project delays cost money. Highview Insurance Group issues Certificates of Insurance fast, so you can hand them to your GC and get to work without losing time.
Get Insured and Get Hired
The right coverage makes you a stronger candidate for more contracts. Highview Insurance Group makes insurance simple, so you can focus on your trade.
Frequently Asked Questions About Subcontractor Insurance in Texas
Do subcontractors legally need insurance in Texas?
No, but nearly every GC will require it.
What’s the most important coverage for subs?
General liability is usually the minimum requirement, and commercial auto if you use work vehicles.
Can I get insurance if I’m a one-person shop?
Yes, Highview Insurance Group specializes in helping small contractors and trades find affordable coverage.