Contractors Insurance in Texas — Coverage Built for Your Trade

Keep Your Business Building — One Package, Every Protection

As a contractor, you face on-the-job risks every day — from job site accidents and property damage to client disputes and equipment loss. Contractors insurance isn’t just one policy; it’s a customized bundle that covers all the exposures Texas contractors face, so you can work, hire, and bid with confidence. Willingham Insurance Agency helps solo tradesmen, growing crews, and construction firms secure coverage that matches your trade, project scope, and contract requirements. We’re your one-stop partner for all essential contractor protections in Ballinger, Abilene, Brady, and throughout Texas.

The Policies Every Texas Contractor Needs

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General Liability Insurance

Covers property damage and injuries caused by your work — essential for protecting your business from lawsuits, accidents, or third-party claims on site.

Workers’ Compensation

Pays for employee injuries, medical bills, and lost wages. While not mandatory for all in Texas, many contractors get it to protect their crew, satisfy contracts, and avoid lawsuits.

Commercial Auto Insurance

Protects your business vehicles — trucks, vans, and trailers — in case of accidents or damage on the way to jobs or supply runs.

Inland Marine / Tools & Equipment Coverage

Covers your valuable tools and equipment while in transit, at job sites, or stored off-site. Standard property policies don’t protect gear once it leaves your shop.

Builders Risk Insurance

Essential for construction projects — covers buildings and materials during the course of construction or renovation.

Surety Bonds

Required for many projects and licenses. We secure license/permit bonds and contract-specific bonds to help you start jobs quickly.

Coverage Gaps That Can Delay or Derail Your Projects

Skipping workers’ comp — risking employee lawsuits and lost contracts.

Relying only on personal auto insurance for business vehicles.

Not having inland marine/tool coverage, leaving your equipment at risk.

Waiting until the last minute to get bonds, slowing project start times.

Missing contract requirements for insurance or bonding, which can cost you jobs.

How to Get Covered and Keep Building

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Know your contract requirements — many jobs require proof of insurance and bonds before you start.

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Tell us about your business — trade, crew size, vehicles, and typical jobs — so we can tailor coverage.

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Ask about fast turnaround on certificates of insurance — we deliver COIs quickly to keep your jobs moving.

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Don’t forget to review your insurance annually, especially as your business grows or takes on bigger projects.

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Use one agency for all coverages to avoid gaps and make managing policies easier.

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Ready to Bid, Build, and Grow With Confidence?

Most Texas contractors come to us for hassle-free coverage and quick proof of insurance. The next step is talking with our team for a review and a custom quote that fits your business.

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How Our Process Works for Contractors

We start by evaluating your trade, job types, and coverage needs. Next, we shop multiple carriers for the best fit and value, help you understand what each policy covers, and walk you through the paperwork. Need a certificate for a job? We deliver them fast so you never lose out on work. If you grow or add employees, just call — we’ll keep your coverage up to date.

Contractors Insurance Questions, Answered

  • What insurance do contractors need in Texas?

    At minimum, most need general liability, and often commercial auto, tool coverage, and workers’ comp (especially if hiring employees). Many contracts also require surety bonds.

  • Does contractors insurance include bonds?

    Bonds aren’t insurance, but many contractors need them. We help you get both the right insurance and all the required bonds for your projects.

  • What’s the difference between general contractors and subcontractors for insurance?

    Both need liability coverage, but general contractors may need more — like builders risk and project-specific bonds. Subcontractors should have their own policies to protect themselves and satisfy main contractor requirements.

  • How much does contractors insurance cost for small business?

    Costs vary by trade, crew size, coverage, and projects. We shop multiple top carriers for the best rate for your unique situation.

  • How fast can I get proof of insurance (COI)?

    We deliver certificates quickly — often the same day — so you can start jobs and keep projects moving.

Build With Confidence — Get Contractors Insurance Today

Don’t let a gap in coverage or missing paperwork cost you your next job. Willingham Insurance Agency protects Texas contractors with policies, bonds, and service designed for your trade. Contact us now to get started and keep your business building strong