Get Precise Contractor Insurance Coverage In Lufkin, TX Today
It Just Takes A Few Clicks
Or Give Us A Call At (440) 826-3676
Running a contracting business in Lufkin means managing bids, crews, and clients while staying ahead of Texas weather that can turn jobs complicated fast.
One lawsuit, one injured worker, or one major accident can wipe out everything you’ve built.
The Allen Thomas Group provides contractor insurance solutions for Lufkin contractors who refuse to gamble with their business.
With over 20 years serving Texas construction professionals, we understand the real risks you face.
Call (440) 826-3676 for straightforward answers and coverage that protects what matters.
Table of Contents
Why Lufkin Contractors Choose The Allen Thomas Group
Insurance companies push whatever policy earns the biggest commission, leaving you to discover coverage gaps when it’s too late.
“Insurance is confusing as hell” and “I don’t know if I’m actually covered” are complaints we hear constantly.
As a licensed Lufkin independent insurance agency, we work for you—not the carriers.
We shop your coverage across multiple top-rated companies to find the best protection at competitive rates. Our licensed agents specialize in construction insurance, not homeowner policies and car insurance on the side.
We deliver fast Certificate of Insurance (COI) documents when you need proof of coverage for bids.
We explain what you’re covered for—and what you’re not. We answer questions honestly, even when the answer isn’t what you want to hear.
Don’t Settle for One-Size-Fits-All. Get Contractor Insurance Tailored to Your Business, By People Who Know It Best.
Why Risk Management Matters in Lufkin's Angelina County Construction Industry
One lawsuit can destroy years of hard work in months. Texas doesn’t require state-level general contractor licensing, meaning anyone can call themselves a contractor.
This creates more litigation risk for everyone—property owners get burned and suddenly every contractor on the job site gets named in the lawsuit.
Court costs and legal defense fees start at $50,000 and climb fast, even when you’re innocent. Your general liability insurance pays for attorneys, court costs, and settlements—but only if you have it.
Real scenarios contractors face:
Your employee backs the excavator into a client’s house. The homeowner demands $15,000 in repairs and threatens to sue. Who pays?
Wind catches plywood and sends it into a neighbor’s Mercedes. The owner wants $8,000 for repairs. Who covers that?
A subcontractor’s worker falls and breaks his leg. Even though the sub has workers’ comp, the injured employee sues you for creating an unsafe work environment. Who pays legal fees?
You finish a renovation. Six months later, the homeowner claims water damage from improper window installation—work you didn’t do.
Your name is on the contract, so you’re named in the lawsuit. Who protects you?
Your truck full of tools gets stolen overnight. You’ve got $12,000 in equipment gone and three jobs starting next week.
How do you replace everything without destroying cash flow?
These happen to Lufkin contractors every week.
Insurance doesn’t prevent these problems—it prevents them from ending your business.
Essential Coverage Types for Lufkin Deep East Texas Contractors
General Liability Insurance Protection Across Lufkin Timber Industry Building Sector
General liability protects your business when you accidentally damage property or cause bodily injury.
- A client trips over your extension cord and breaks their wrist.
- You drill through a pipe and flood a basement.
- Your ladder falls and breaks a window.
These property damage and bodily injury claims get covered, including legal defense costs.
Typical coverage: $1-2 million per occurrence, $2-4 million aggregate.
For Lufkin contractors, general liability costs $800-$1,500 annually ($67-$125/month)—far less than one attorney consultation.
Critical coverage gaps many policies include:
Third-Party Action Over Exclusion limits coverage when a subcontractor or employee sues you for injuries on your project. Even with the sub’s workers’ comp covering the initial injury, they can still sue you. Many policies exclude this entirely.
Earth Movement Exclusion eliminates coverage for excavation, foundation settling, subsidence, and sinkholes. One foundation settlement claim easily exceeds $100,000.
Structure Size Exclusion appears in some programs that exclude homes over 5,000 square feet or commercial buildings over 20,000 square feet. In Lufkin’s market, larger projects are common. “Buy back” options often cap coverage at $50,000—completely inadequate.
We identify policies without these exclusions or help you buy back necessary coverage.
Texas is unique: workers’ compensation is NOT required for most private employers.
But having it provides critical legal protection from employee lawsuits over workplace injuries.
Without workers’ comp, injured employees can sue you directly—and Texas law prevents you from arguing the employee’s negligence caused the injury, another employee caused it, or the worker knew about the danger.
Workers’ comp covers medical expenses, lost wages, and rehabilitation for injured employees while shielding you from litigation. You must have it for government contracts and public projects. General contractors frequently require subs to carry it.
Average cost in Lufkin: $32-$86/month for small crews, higher for larger payrolls based on trade classification. Yes, it’s expensive—contractors mention “paying out the azz for Worker’s Comp.” But compare that to defending a $500,000 lawsuit from an injured employee who can’t work anymore.
Solo operators: Workers’ comp doesn’t cover your own injuries. Consider occupational accident insurance for income protection if you’re injured.
Commercial Auto Insurance Requirements in Lufkin Forestry Territory
Every truck, van, and trailer used for business needs commercial auto insurance.
Texas requires minimum liability of 30/60/25 ($30k per person, $60k per accident, $25k property damage).
Those minimums are inadequate. Medical bills and property damage from serious accidents easily exceed $60,000. We recommend $500,000-$1 million liability limits for contractors hauling equipment and crews.
Average cost: $218/month, varying by vehicle type, driving records, and coverage limits.
Builder's Risk Coverage for Lufkin's Commercial Development Projects
Builders risk covers materials, structures, and equipment during active construction. It protects against fire, theft, vandalism, and severe weather damage during the build.
Essential for new construction, major renovations, and projects over $50,000.
Cost runs 1-4% of project value. For a $200,000 project, expect $2,000-$8,000.
Many contractors roll this into project bids.
Inland Marine Insurance for Lufkin Industrial Zone Contractors
Your tools are your business. Lose $10,000 in equipment to theft, and you can’t work while scrambling to replace everything.
Tools and equipment insurance (inland marine coverage) protects tools, machinery, and mobile equipment on job sites, in trucks, in storage, or in transit. Covers theft, damage, and loss.
Policies cost $500-$1,200 annually for $10,000-$50,000 in equipment coverage.
Dedicated Construction and Contractor Insurance Solutions in Lufkin, Texas Customized For You
We know how frustrating and complex the process of finding the right business insurance agents and getting a same-day certificate of insurance can be.
Let us help fix it for you in 3 easy steps!
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.
Texas Insurance Requirements for Lufkin Area Construction Businesses
Texas Department of Licensing and Regulation (TDLR) requires proof of insurance for licensed contractors. Under 16 Tex. Admin. Code §75.40 and §74.40, minimum coverage is $300,000 per occurrence for property damage and bodily injury.
Lufkin maintains municipal insurance and bonding requirements for work within city limits. Requirements vary by project type and contract value.
Certificate of Insurance (COI) requirements are constant.
General contractors demand current COIs listing specific coverage before work begins. We provide COI documents same-day when you need proof of coverage.
Public projects require higher limits and mandatory workers’ compensation.
Expect to prove $1 million+ in general liability plus workers’ comp for government contracts.
How Much Does Contractor Insurance Cost in Lufkin?
General Liability: $800-$1,500/year for $2 million coverage ($67-$125/month)
Workers’ Compensation: $32-$86/month for small crews; higher for larger payrolls
Commercial Auto: $218/month average
Builders Risk: 1-4% of project value
Tools & Equipment: $500-$1,200/year
Factors affecting your premium:
- Trade classification (roofing costs more than finish carpentry)
- Annual revenue and payroll
- Claims history
- Coverage limits and deductibles
- Number of employees and vehicles
Money-saving strategies:
- Bundle multiple policies for multi-policy discounts
- Higher deductibles if you have cash reserves
- Safety programs and training certifications
- Clean claims history
- Annual payment versus monthly installments
Workers’ comp is expensive with no way around it if you want legal protection. General liability is affordable protection against catastrophic loss. For $100/month, you prevent one lawsuit from bankrupting everything you’ve built.
Getting Your Contractor Insurance Quote
Call The Allen Thomas Group at (440) 826-3676.
We ask about your business, projects, and insurance concerns. No sales pitch—a conversation about what you need.
We shop your coverage across multiple carriers, compare options, and identify the best fit for your business and budget.
We explain coverage in plain English. No jargon. You make informed decisions instead of hoping you bought right coverage.
We provide customized recommendations tailored to your actual work—not generic packages.
We deliver fast COI documents when you need proof of coverage. Often same-day once your policy is bound.
What you’ll need: Business name, trade type, estimated annual revenue, number of employees, current coverage details (if switching).
No pressure, just answers. We educate first, sell second. No obligation to purchase. Our licensed Lufkin commercial insurance agents work for you, not insurance companies.
Our Carrier Partners
That allows us to find the best insurance premium rates for your business needs in Lufkin, TX
Why Lufkin Contractors Trust The Allen Thomas Group
We specialize in protecting construction businesses.
Our licensed commercial insurance agents understand builders risk versus general liability, why workers’ comp matters in Texas, and explain coverage without jargon.
As an independent agency, we represent you. We shop multiple carriers to find the best protection at competitive rates.
We understand Lufkin’s construction market, weather risks, and regulatory requirements.
Texas creates unique challenges: no state-level GC license, optional workers’ comp, severe weather, and municipal insurance requirements.
Responsive service means same-day callbacks and fast COI delivery. We’re here when you file claims, adjust coverage, or add vehicles.
Take the Next Step
Stop worrying about coverage. One call gives you clarity and peace of mind to focus on building your business.
You’ve worked too hard to gamble with inadequate coverage. One lawsuit or major accident can destroy years of effort in months.
Call The Allen Thomas Group at (440) 826-3676 or request your free contractor insurance quote at the link below.
Get honest answers about coverage, costs, and protection tailored to your Lufkin contracting business.
Protect your business. Protect your future. Get insured the right way.
Frequently Asked Questions
Do I Need Insurance If I Work Alone?
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.
What If I Only Subcontract and Have No Employees?
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.
I've Had Claims Before. Can I Still Get Coverage?
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.
How Quickly Can I Get a Certificate of Insurance?
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.
What's the Difference Between "Per Occurrence" and "Aggregate" Limits?
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.
Do I Need Workers' Comp If I Only Hire Independent Contractors?
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.
Zip codes We Serve In Lufkin
75901 / 75902 / 75903 / 75904 / 75915
Texas Construction and Contracting Trades Our Insurance Agency Provides Coverage
- Appliance Repair
- Carpenter
- Concrete Contractor
- Drywall Contractor
- Electrician
- Electrical Equipment Installation
- Excavation Contractor
- Fence Installation
- Fiber Optic Installer
- Flooring Contractor
- Framing Contractor
- General Contractor
- Glass and Glazing Contractor
- HVAC Contractor
- Handyman Services
- Home Renovation and Remodeling
- Landscaper
- Masonry
- Painter
- Paving Contractor
- Plumber
- Roofing Contractor
- Sheet Metal Contractor
- Septic Tank Contractor
- Snow Plowing
- Steel Erectors
- Tile and Stone
- Telecommunications & Equipment Installer
- Utility Contractor
