Contractor Insurance for Texas Contractors & Construction Businesses

Construction worker icon with shield and checkmark.

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. Ironwood Insurance 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.

A crane lifts an HVAC unit above construction workers on a building site under a blue sky.
Construction workers review plans at a table, one using a laptop, others holding a tablet and phone; wearing safety vests and helmets.

Essential Coverage Details

Contractors often need multiple policies to stay protected and competitive:

Person with a cast on their left arm, indicating an injury.

Covers third-party injuries and property damage on job sites.

Three workers with gear, a gear icon in front.

Protects employees with medical and wage coverage.

Truck icon with a shield and the letter "I" inside.

Required for work trucks, vans, or fleet vehicles.

Construction worker laying bricks with a trowel.

Covers structures under construction.

Hammer and wrench crossed. Construction tools.

Inland marine coverage for tools and heavy machinery.

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Surety Bonds

Often required for certain licensed trades or government jobs.

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, Ironwood helps assess the right coverage mix for your business.

Two people in safety vests and hard hats review documents near a crane on a sunny day.

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

Ironwood Insurance 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. Ironwood 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.