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:

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for accidents or property damage on a job site

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optional for sole proprietors but valuable protection

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covers trucks, vans, and liability from driving to jobs

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Tools & Equipment Coverage 

protection for gear from theft or damage

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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. Ironwood builds affordable coverage packages that still satisfy contract requirements, ensuring you stay competitive without overspending.

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Certificates of Insurance & Compliance

Project delays cost money. Ironwood 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. Ironwood 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, Ironwood specializes in helping small contractors and trades find affordable coverage.