Beyond General Liability: Other Insurance Coverage Texas Contractors Should Know
Your GL policy is important—but it’s not the whole picture.
Many contractors carry general liability insurance and think they’re fully covered. But depending on the size of your business and the types of jobs you take, you might need additional protections.
Here are a few to consider:
Builder’s Risk Insurance: Covers structures under construction from fire, theft, or weather damage.
Inland Marine Coverage: Protects tools and equipment in transit or stored offsite.
Commercial Auto: Covers vehicles used for work—including liability and physical damage.
Workers’ Comp: Required in many cases; protects your crew if someone is injured on the job.
Surety Bonds: Often required to bid public projects or guarantee performance.
Why it matters: The right insurance mix depends on your trade, your team, and your typical job size. Talk to your broker about what coverages are truly essential for your operation.
Knowledge is power. Understanding your insurance helps you run a safer, more resilient construction business—and gives you a leg up when competing for bigger jobs.
