Contractors Insurance in Texas — Comprehensive Protection for Your Business
Insurance That Keeps Your Projects Moving Forward
As a contractor, you face unique on-the-job risks — from injuries and property damage to lawsuits from clients or third parties. Contractors insurance isn’t a single policy but a customized bundle tailored to your business, including general liability, workers’ compensation, commercial auto, tools coverage, and surety bonds if required. Willingham Insurance Agency works with Texas builders, remodelers, handymen, and more to ensure your business is protected at every stage — whether you’re working solo or running a crew.
What Does a Contractors Insurance Package Include?
General Liability
Protection against third-party injuries or property damage — essential for every job site.
Workers’ Compensation
Pays for employee injuries and lost wages. Not required by law in Texas, but many contractors carry it for safety and to meet client/contract requirements.
Commercial Auto
Covers your business vehicles, trailers, and the people who drive them for work.
Inland Marine/Tools Coverage
Protects tools and equipment in transit or at job sites, filling gaps not covered by standard property insurance.
Builders Risk
Coverage for structures under construction or renovation.
Surety Bonds
License/permit and project-specific bonds to meet state, city, or contract requirements.
Meet Project & Licensing Requirements — Fast, Easy, and Reliable
Many general contractors, clients, and local authorities require you to carry proper insurance and bonds to qualify for jobs. Willingham Insurance helps you secure fast certificates of insurance (COIs), keeps your coverage current, and ensures you meet every contract and licensing need — so you never lose out on a project because of paperwork.
Built for Your Trade — Customized Advice and Quick Support
Every construction business is different. Our advisors review your trade, crew size, and types of jobs to customize your coverage. From solo handymen to growing building firms, we tailor policies to your exact needs — no more, no less. Plus, you’ll get fast answers, quick COIs, and personal service from local experts who know Texas contracting.
Contractors Insurance Questions, Answered
What insurance do contractors need in Texas?
Most need general liability, and many benefit from workers’ comp, auto, tools, and bonds. We review your requirements and recommend the right package.
Does contractors insurance include bonds?
Bonds aren’t insurance, but we help you get both — from license bonds to job-specific bonds, all in one place.
How much does contractors insurance cost for small business?
Pricing depends on your trade, business size, and coverages. We shop multiple carriers for the best value.
What’s the difference between general contractors and subcontractors for insurance?
Both need liability coverage, but generals often need builders risk and more bonding. Subcontractors must have their own policies to work for larger contractors.
Build With Confidence — Get a Contractors Insurance Quote
Don’t let a missing policy or COI hold your business back. Willingham Insurance Agency covers every angle for Texas contractors, so you can focus on building, not paperwork.