Houston
Contractor
Insurance
Houston contractors face unique risks — from hurricane wind exposure to booming commercial construction across the Energy Corridor, Galleria, and Bayport industrial areas.
Houston is the largest construction market in Texas, with massive demand for General Liability, Workers' Comp, and Commercial Auto coverage. Whether you're working residential rebuilds after a storm or commercial build-outs in the Texas Medical Center, we help Houston contractors get the coverage GCs and project owners require.
Houston's contractor market spans petrochemical refining along the Ship Channel, healthcare and research construction in the Texas Medical Center, and port-side industrial work at the Port of Houston. Roofers, concrete crews, and mechanical contractors stay busiest on the southeast industrial corridor and in the master-planned residential builds of the northwest.
Coverage by Trade
Trade-specific insurance pages for Houston contractors — coverage details, carrier options, and fast quotes by trade.
Coverage We Arrange for Houston Contractors
General Liability
$1M/$2M limits with additional insured and waiver of subrogation endorsements for GC and project owner requirements.
Workers' Compensation
Coverage for your crew with employer liability — even if Texas doesn't require it, your GCs will.
Commercial Auto
Loaded work trucks and service vans need real limits — not Texas minimums. Hired and non-owned available.
Tools & Equipment
Inland marine coverage for expensive gear in transit and on site. Replacement cost, not actual cash value.
Excess / Umbrella
$2M–$10M+ umbrella layers for commercial and public works project requirements.
Surety Bonds
Performance and payment bonds for public works and commercial project bidding.
Trade-Specific Insurance Guides
Detailed insurance compliance guides for Texas contractor trades — what GCs require, what carriers look for, and what you need before you step on site.