Where Requirements Meet Reality

In few industries do insurance requirements matter as much as construction. General contractors will not hire you without certificates. Property owners will not let you on site. You cannot pull permits or bid jobs.

Texas construction is booming, from San Antonio’s expanding suburbs to commercial development throughout the Hill Country. Understanding insurance is foundational to your ability to operate.

General Liability: Your Ticket to Job Sites

General liability protects against third-party claims of bodily injury and property damage. For contractors, this includes damage to existing structures, injuries to non-employees, and claims from completed work.

Most GCs require subs to carry at least $1 million per occurrence and $2 million aggregate. Your limits directly affect which jobs you can pursue.

Workers Compensation

Construction ranks among the most dangerous industries. Falls, equipment accidents, and repetitive injuries are common. Workers comp covers medical expenses and lost wages while protecting you from lawsuits.

Commercial Auto

If you own trucks, vans, or trailers used for business, you need commercial auto. Personal auto policies exclude business use.

Inland Marine

Your tools travel to job sites and sit in trucks overnight. Inland marine follows your tools wherever the work takes them.

Builder’s Risk

Builder’s risk covers structures during construction against fire, theft, vandalism, and weather.

Umbrella Insurance

Large projects often require $5 million or more in liability limits. Umbrella provides excess coverage above your underlying policies.