Texas Contractors Insurance
Texas contractor insurance from a licensed broker who knows how the state's city-by-city rules and optional workers' comp work. Fast certificates, permit bonds and coverage matched to your contracts. Call (949) 868-7350.
Insurance for Texas Contractors, City by City
Texas has no statewide license for general contractors, roofers or excavators. Instead, cities set the rules: Dallas requires annual contractor registration, San Antonio requires Home Improvement Contractor registration, and Austin requires registration to pull permits. Most of them want proof of general liability for permits, and most general contractors and commercial jobs ask for $1M per occurrence / $2M aggregate.
The Hardhat Insurance Team is the marketing division of Bearstar Insurance Services. We work with standard and specialty carriers that write Texas contractors and issue certificates of insurance that meet city permit and general contractor requirements in Dallas–Fort Worth, Houston, Austin, San Antonio and El Paso. Roofing contractor? See our Texas roofing contractor insurance page. Excavation contractor? See our Texas excavation contractor insurance page.
Commercial General Liability
Texas General Liability
Texas doesn't require general liability statewide, but city permits, general contractors, property managers and public agencies almost always do. Most ask for $1M per occurrence / $2M aggregate with completed operations, which matters because Texas allows most construction defect claims for up to 10 years.
Limits matched to your contracts and city permits.
Additional insured, waiver of subrogation and primary/non-contributory wording when your GC requires it.
Surety Bonds
Texas License & Permit Bonds
Texas has no statewide contractor license bond, but many cities, counties and public projects require license, permit, right-of-way or performance bonds. We can often issue them the same day, with a quick quote and no long application.
Bad credit programs available.
City permit, right-of-way and performance bonds.
Texas is the only state where most private employers can choose whether to carry workers' compensation. We quote private carriers, including Texas Mutual, and help you weigh the trade-offs of going without it.
Pay-as-you-go options available (helps cash flow).
Waivers of subrogation for commercial contracts.
Workers' Compensation
What We Cover
Commercial Auto
Work Truck & Fleet
Your personal auto policy may not cover an accident while you're driving for work. From I-35 to job sites across Houston and the Hill Country, protect your work trucks and trailers against accidents, theft and uninsured drivers, with higher limits when a contract calls for them.
Builders Risk
Builders Risk (Course of Construction)
Protect your project from fire, wind, hail and theft of materials, all common on Texas job sites. We cover the structure from the ground up until the job is signed off.
Covers materials on-site and in transit.
Required by most lenders for new construction and remodels.
Inland Marine (Tools & Equipment): Covers theft of your generator, compressor, and hand tools from the job site or your truck.
Professional Liability: For design-build contractors and construction managers.
Excess Liability (Umbrella): When the standard $1M limit isn't enough for a big commercial contract.
And More
Local Service Area
Serving all of Texas. We insure contractors statewide.
North Texas: Dallas, Fort Worth, Arlington, Plano.
Central & South Texas: Houston, Austin, San Antonio, El Paso.
Call: (949) 868-7350 · Jesus Galvan, licensed insurance broker, Texas license #2964780. Se habla español.
Need a COI Today?
Get a certificate that meets your city permit and GC requirements from a licensed Texas broker.
Texas Workers’ Comp: Subscriber vs. Non-Subscriber
Texas is the only state where most private employers can choose not to carry workers’ compensation. Employers who opt out are called non-subscribers.
Going without comp saves premium, but non-subscribers lose key legal defenses if an injured worker sues them, must file an annual notice with the state and tell their employees, and can’t work public construction projects, which require coverage. Most general contractors also require proof of comp from their subs.
Carrying comp often fits contractors who work public jobs, sub for general contractors or have employees in high-risk trades.
Going without may fit very small operations with no employees that only take private, direct-to-owner work.
As your broker, we quote private carriers, including Texas Mutual, the insurer of last resort, and help you weigh the trade-offs. Call (949) 868-7350.
Contact
Call
info@hardhatinsurance.net
Hard Hat Insurance is a specialized marketing division of Bearstar Insurance Services.
Insurance services provided by Bearstar Insurance Services.
Jesus Galvan is a licensed insurance broker in CA, ID, NV, OR, TX and WA, serving contractors in AZ, CO and across the western U.S. California License #4291921.
Other license numbers available upon request. Coverage availability varies by state.
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