Everblue / Contractors
Contractor insurance · Houston, Texas
Coverage that keeps your crew working.
Builders, remodelers, roofers, electricians, plumbers, and HVAC pros. When a general contractor or homeowner asks for proof of insurance, you need it right away.
Get a quoteWhy it matters
For contractors, insurance is often the price of getting the job. General contractors, property managers, and commercial clients ask for certificates of insurance with specific limits and wording before you can set foot on site.
Shauna works with Houston trades to put the right coverage in place, explains what your contracts actually require, and turns around certificates of insurance quickly so a missing document never holds up a project.
General liability
Third-party injuries and property damage from your work, the coverage nearly every contract asks for first.
Workers’ compensation
Medical care and lost wages for employees hurt on the job. Optional for most Texas employers, but frequently required by contract.
Commercial auto
Trucks and vans used for work. Personal auto policies often exclude business use.
Tools and equipment
Inland marine coverage for tools and equipment on job sites and in transit.
Builder’s risk
The structure under construction, from groundbreaking to completion.
Local detail
What Houston contractors run into
Certificates on demand
Additional insured and waiver of subrogation requests are common. We make sure your policy supports the wording your contracts ask for.
Workers’ comp by contract
Texas makes it optional for most private employers, but many general contractors will not hire a sub without it. Going without it also changes how injury lawsuits are handled.
Work trucks
Using your personal truck for jobs can leave a coverage gap. A commercial auto policy closes it.
Common questions
Is workers’ comp required for contractors in Texas?
For most private employers in Texas it is optional, but many general contractors and public projects require it by contract.
How fast can I get a certificate of insurance?
Once your policy is in place, certificates are typically issued quickly. Send the requirements and we handle the rest.
What does general liability not cover?
It generally does not cover your own tools, your employees’ injuries, your vehicles, or poor workmanship itself. Those need other coverage.
Start here
Let’s talk about your coverage.
Tell us a little about what you need. Shauna responds personally, usually within a few hours.