Contractor Insurance in Corpus Christi, Texas

Yes. One lawsuit can wipe out everything you’ve built.

Working solo doesn’t eliminate risk. You face property damage claims, injury lawsuits, and tool theft. General liability costs $67-$125/month – less than gas.

Frankly, many clients and general contractors won’t hire you without proof of insurance. Without coverage, you eliminate yourself from jobs requiring a COI.

You still need general liability. General contractors require a Certificate of Insurance with them listed as additional insured. Without it, they hire someone else.

Subcontractors face the same risks: property damage, bodily injury claims, lawsuits over work quality. Your sub status doesn’t eliminate liability.

Yes. Prior claims don’t disqualify you—they affect options and pricing. We work with carriers specializing in contractors with loss history. But it may take longer to get you coverage.

Don’t let one bad experience keep you uninsured. The contractor who’s been sued once is more likely to get sued again—making insurance more critical, not less.

Same-day, often within hours. Once your policy is bound, we generate and send COI electronically immediately.

Need a COI for a bid deadline?

Call (440) 826-3676. We prioritize contractors needing fast documentation.

Per Occurrence is the maximum paid for a single claim. $1 million per occurrence means up to $1M for one incident.

Aggregate is the total paid for all claims during the policy period (usually one year). $2 million aggregate caps total annual payout at $2M regardless of incident count.

It depends. Are your “independent contractors” actually employees? If you control when, where, and how they work, provide tools, and set schedules, they’re probably employees—regardless of paperwork. Misclassification exposes you to major penalties.

For public projects, workers’ comp becomes mandatory. Many commercial GCs require all subs to carry it.

Without workers’ comp, you lose legal protection preventing injured workers from suing directly.