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:

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

protection from third-party injury or property damage claims

Engineer with a hard hat, holding a rolled-up blueprint.

medical bills and wage replacement for injured employees

Line drawing of a car facing forward.

coverage for company vehicles and crew driving for work

Group of construction workers with a gear icon.

property coverage for the structure while under construction

An umbrella icon, black outline on a white background.

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.



Ironwood makes compliance simple by issuing Certificates of Insurance quickly—helping you start projects without delays.

Hands of two people signing a document, one pointing at the signature line.

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


Ironwood 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. Ironwood shops across carriers to find competitive rates for your profile.

Get a Quote for Your Contracting Business

Build your next project with confidence. Ironwood 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?

    Ironwood provides Certificates of Insurance quickly so projects don’t stall.