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Texas Contractor Insurance That Protects Your Business and Bottom Line
Get comprehensive Texas contractor insurance from local experts who understand your business. The Allen Thomas Group has spent over 20 years simplifying insurance for contractors across Texas and 20+ states.
Our “Smart & Easy” process saves you time and money while ensuring complete protection. Texas contractors may reduce insurance costs with the right coverage partner.
Get your free quote today. Discover why busy contractors choose our personalized approach over complicated national providers.
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Texas Contractor Insurance That Protects Your Business and Bottom Line
Texas contractors face unique risks. America’s fastest-growing construction market brings tremendous opportunities with $289 billion in construction contracts and major infrastructure investments. However, rising material costs and increased project complexity mean proper insurance protection is more critical than ever.
Our comprehensive Texas contractor insurance covers everything. From general liability to specialized equipment protection. We understand that every project is different, which is why we customize coverage packages that match your specific needs and budget.
Key benefits Texas contractors get with The Allen Thomas Group:
- Fast quotes from our Texas construction insurance experts
- Cost savings through proper coverage selection
- Complete protection for all project types and business sizes
- Personal service that builds lasting business relationships
Complete Coverage Solutions for Every Type of Texas Construction Project
Texas law requires specific insurance minimums. Smart contractors exceed them. Our experts help you navigate state requirements while building comprehensive protection that actually works when you need it.
Essential coverage types every Texas contractor needs:
General Liability Insurance protects against third-party injuries and property damage claims. Texas requires $1 million per occurrence for bodily injury coverage. Also $500,000 for property damage. We help you get the right limits at competitive rates.
Workers Compensation Insurance covers employee injuries and illnesses. Required for all government projects in Texas and highly recommended for private work. Protects your team. Protects your business finances.
Texas state law requires commercial auto coverage for all business vehicles. Covers accidents, theft, and damage to trucks, equipment haulers, and company cars.
Builders Risk Insurance protects construction projects in progress. Fire, theft, vandalism, and weather damage coverage included. Essential for Texas contractors dealing with severe weather risks like hail, tornadoes, and hurricanes.
Equipment Coverage Safeguards tools, machinery, and equipment from theft and damage. Texas job sites face higher theft risks in growing metropolitan areas. This coverage is crucial for protecting your investments.
Professional Liability Insurance covers errors, omissions, and design defects in your work. Increasingly requested by Texas clients for both residential and commercial projects.
We bundle these coverages to save you money. Simplify your insurance management. One policy, one payment, one relationship with experts who know Texas construction.
Local Expertise and National Reach - The Best of Both Worlds
Why Texas contractors choose The Allen Thomas Group over national insurance companies:
- Our “Smart & Easy” Process Saves Time and Money. We eliminate complexity. Insurance shopping becomes simple instead of frustrating.
- Get quotes in minutes, not days. Our streamlined process means less paperwork, faster approvals, and more time focusing on your projects.
- Personal Relationships, Not Transaction Numbers. Every client gets a dedicated agent who learns about your business. Grows with you. No phone trees. No generic responses. When you call, you speak with someone who knows your coverage and your industry.
- 20+ Years of Construction Insurance Expertise. We’ve helped thousands of contractors protect their businesses across Texas and 20+ states.
- Our experience means better coverage recommendations and faster claim resolution when you need it most.
- Local Understanding with National Resources. Based in Akron, Ohio, we understand the challenges of serving growing markets like Texas.
- We combine local market knowledge with national carrier relationships. The result? You get the best coverage at competitive prices.
- Proven Results for Texas Contractors. Our clients report saving on insurance costs while getting better protection.
How do we achieve this?
Through proper coverage selection, risk management guidance, and strong carrier relationships.
Deep Understanding of Texas Construction Challenges and Opportunities
The Texas construction boom creates opportunities. Also, it creates risks for contractors. Our team stays current on market conditions, regulatory changes, and industry trends that affect your insurance needs.
- Infrastructure investments of $39.5 billion through TxDOT alone
- Project costs increased 30% between 2020-2023 due to inflation
- Labor shortages creating higher wages and increased liability exposure
- Severe weather risks requiring specialized coverage considerations
We stay current on Texas insurance requirements. From state mandates to city-specific licensing rules. Different Texas cities have different requirements – we help you comply with all of them.
Our experts provide guidance on safety programs, contract review, and risk mitigation strategies. These reduce your insurance costs while protecting your business reputation.
We understand the unique challenges Texas contractors face. Why? Because we work with them every day. From Houston’s industrial projects to Austin’s residential boom, we know what coverage works best for each market segment.
Tailored Insurance Solutions Built For Your Texas Construction Company
We know how frustrating and complex the process of finding the right contractor insurance can be and how it can be difficult to get a certificate of insurance quickly.
Let us help craft a policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
That allows us to find the best rates for your business.
Ready to protect your Texas contracting business?
Insurance that actually works makes the difference.
Our Independent Insurance Agents with The Allen Thomas Group make it simple to get comprehensive coverage at competitive rates.
Call today for your free consultation at (440) 826-3676.
Discover why contractors across Texas trust us to protect what they’ve built.
Get More Insights On Making The Right Insurance Decision For Your Company
How much does Texas contractor insurance cost?
Texas contractor insurance costs vary based on your business size, project types, and coverage needs. Our clients typically save on insurance costs through proper coverage selection and risk management.
We provide free quotes with no obligation. See exactly what comprehensive protection costs for your specific business.
What insurance do Texas contractors need?
Texas requires $1 million general liability coverage for bodily injury and $500,000 for property damage. Workers compensation is mandatory for government projects.
Smart contractors also carry commercial auto, builders risk, and equipment coverage. We help you understand what’s required versus what’s recommended for complete protection.
How quickly can I get Texas contractor insurance?
Our “Smart & Easy” process gets you quotes in minutes, not days. Most policies can be bound within 24 hours once you decide on coverage.
We eliminate the paperwork delays that slow down other agencies. Call today and you could have coverage by tomorrow.
Why choose The Allen Thomas Group for contractor insurance?
We combine local expertise with national reach to serve Texas contractors better than pure national or local companies. Our 20+ years of experience means better coverage recommendations and faster claims.
You get a dedicated agent who knows your business. Not a phone tree or generic responses.
Do I need workers compensation insurance in Texas?
Workers compensation is required for all Texas government projects and highly recommended for private work. Texas allows private employers to opt out, but smart contractors carry it anyway.
It protects your employees and your business finances when workplace injuries occur.
We Provide Comprehensive Coverage Options For All Trades Listed Below
- Appliance Repair
- Carpenters
- Concrete Contractors
- Drywall Contractors
- Electrician
- Excavation
- Fence Installation
- Flooring Contractors
- General Contractors
- HVAC Contractor
- Handyman Services
- Home Renovation and Remodeling
- Landscaper
- Manufacturing
- Masonry
- Painter
- Paving Contractor
- Plumber
- Roofing Contractor
- Sheet Metal Contractor
- Snow Plowing
- Steel Erectors
- Utility Contractor
Popular Texas Locations Our Commercial Insurance Agents Cover
Abilene
Allen
Amarillo
Arlington
Atascocita
Austin
Baytown
Beaumont
Bedford
Brownsville
Bryan
Burleson
Carrollton
Cedar Hill
Cedar Park
Channelview
Cibolo
Cleburne
College Station
Conroe
Coppell
Copperas Cove
Corpus Christi
Dallas
Deer Park
Del Rio
Denton
DeSoto
Duncanville
Edinburg
El Paso
Euless
Farmers Branch
Flower Mound
Fort Worth
Friendswood
Frisco
Galveston
Garland
Georgetown
Grand Prairie
Grapevine
Haltom City
Harker Heights
Harlingen
Houston
Huntsville
Hurst
Irving
Keller
Killeen
Kyle
La Porte
Lancaster
Laredo
League City
Leander
Lewisville
Little Elm
Longview
Lubbock
Lufkin
Mansfield
McAllen
McKinney
Mesquite
Midland
Midlothian
Mission
Mission Bend
Missouri City
Nacogdoches
New Braunfels
North Richland Hills
Odessa
Pasadena
Pearland
Pflugerville
Pharr
Plano
Port Arthur
Richardson
Rockwall
Rosenberg
Round Rock
Rowlett
San Angelo
San Antonio
San Juan
San Marcos
Schertz
Sherman
Socorro
Southlake
Spring
Sugar Land
Temple
Texarkana
Texas City
The Colony
The Woodlands
Tyler
Victoria
Waco
Waxahachie
Weatherford
Weslaco
Wichita Falls
Wylie
