Coverage Built Right

It depends on the size and scope of your business. That said, a typical construction company with trucks and employees most likely needs general liability Insurance, workers’ compensation, fleet auto insurance and some tool & equipment insurance. We’ve got experience with all types of different trades and business sizes, and can provide guidance on exactly what you need.

We specialize in one thing: protecting construction businesses in Texas. We know the risks and the logistics. We can respond quickly and personally when issues come up. And because we’re independent, we’re not locked into one carrier. We shop the market to find coverage and price that actually fits your business.

Workers’ compensations requirements are different for each state. In Texas, it is not mandatory to provide workers’ compensation to your employees, however, this does not mean that you will not be responsible for work-related injuries. Rather when you opt out of workers’ compensation insurance you are telling your employees that you will cover their costs and it puts your company at risk in a different way.

Additionally, some commercial construction jobs might require you to carry workers’ comp insurance even if it’s not required by the law.

The key to getting the best price is two things. First, make sure you have the right coverage. It’s just as easy to be over covered as it is to be under covered. Second, find a broker who can smartly shop your policy around to multiple insurance carriers. Different carriers have different specialities, and you’ll save a lot by working with one who specializes in your business.