General Contractor Insurance in Houston, TX: Protecting Your Construction Business
Hey there, Houston builders and construction pros! Whether you're managing a full crew or working solo on remodels and renovations, one thing’s for sure — you need more than just skill and hard hats to keep things running smoothly. At TWFG - Contractors Insurance, we help general contractors in Houston, TX get the right insurance coverage so they can focus on building, not worrying.
Construction work in Houston is booming, but with that comes risks — accidents on-site, damage to client property, lawsuits, and more. That’s where general contractor insurance steps in. We’re here to make sure you’re covered, confident, and ready for whatever your next Houston project throws your way.
Why General Contractor Insurance Matters
In the busy construction scene of Houston, TX, protection from costly claims and project delays is a must. General liability insurance safeguards you from injuries, property damage, and lawsuits — common issues in this fast-paced industry.
Who Needs It?
If you’re running a contracting business in Houston — whether residential or commercial — this coverage is for you. Even independent subcontractors in Houston benefit from having their own protection in place.
What It Covers
From general liability to tools & equipment, workers’ comp, and even builder’s risk, our plans are designed with Houston contractors in mind. Get coverage that fits the way you work.
Let’s Talk Real Life
Picture this: you’re renovating a home in a Houston suburb and a subcontractor accidentally causes water damage with a burst pipe. Or maybe a homeowner trips over your equipment during a walkthrough. Without contractor liability insurance, those mishaps can turn into expensive lawsuits. With the right policy from TWFG - Contractors Insurance, you’re covered — for legal fees, medical bills, and property repairs.
What’s Typically Included?
| Coverage Type | What It Protects Against |
|---|---|
| General Liability | Injuries or property damage to others on job sites in Houston or elsewhere |
| Workers’ Compensation | Employee injuries or illnesses from job-related tasks |
| Commercial Auto | Vehicle accidents involving your work trucks or vans in the Houston area |
| Tools & Equipment | Loss or damage to tools used on Houston job sites |
| Builders Risk | Coverage for buildings under construction in Houston |
| Errors & Omissions | Claims of negligence or faulty design — especially important in larger Houston builds |
How Much Does It Cost in Houston?
Costs vary based on the type of work you do, your crew size, and your history. But to give you an idea:
- Solo Houston-based contractors: $80–$120/month
- Mid-size Houston contractor with employees: $200–$500/month
- Larger commercial Houston contractor: $500+/month
The bottom line: the cost of insurance is far less than the cost of a claim.
What’s Not Covered?
While general contractor insurance in Houston is broad, there are limits:
- Intentional damage or illegal acts aren’t covered
- Employee disputes require additional coverage like EPLI
- Faulty design advice or blueprints? You’ll want professional liability
That’s why working with an experienced Houston-based insurance team like TWFG - Contractors Insurance is key.
Why Choose TWFG - Contractors Insurance for Contractor Insurance in Houston?
We live and work in the same community as you. That means we understand the unique risks Houston contractors face — from hurricane prep to high client expectations. Our mission is to get you the coverage you need, without the hassle.
Local Experts
We specialize in helping Houston-area general contractors secure the right coverage with no guesswork.
Customized Coverage
From solo builders to full construction crews, we tailor your insurance to your unique Houston business.
We’re Here When You Need Us
Call anytime for advice or help filing a claim: 855-201-8934
Looking for More Info?
Want the full breakdown of coverage options, requirements, and how contractor insurance works in Texas? Check out our full guide right here: Contractor Insurance in Houston, TX.
Ready to Get Started?
You’ve worked hard to build a reputation in Houston, TX. Now let’s make sure you’ve got the insurance coverage to back it up. Whether you're just starting out or scaling your crew, the right policy will protect everything you’ve worked for.
Don’t wait for a claim to realize what you’re missing. Connect with our Houston insurance team at TWFG - Contractors Insurance today and get the peace of mind you deserve.