Presley Insurance Group
Contractors Insurance for Texas Builders & Trades
Presley Insurance Group helps Texas contractors, subcontractors, and small construction businesses protect their jobs, crews, and equipment with contractors insurance built for real job-site risks and fast certificate needs.
Contractors Insurance Texas Trades Can Rely On
Every project comes with moving parts—tight timelines, changing scopes, and job-site risks that don’t stop just because the day is over. Contractors insurance helps protect your business if someone gets hurt, property is damaged, tools are stolen, or a claim pops up long after the work is done. It’s about keeping your business running even when something unexpected happens on the job.
Based in the Dallas-Fort Worth area and serving contractors across Austin, San Antonio, Central Texas, and West Texas, Presley Insurance Group is an independent insurance agency in Texas that shops multiple carriers for you. Our contractors team understands the real-world needs of general contractors, subcontractors, and specialty trades—from fast COIs to contract requirements and additional insured language. You get clear coverage advice, responsive service, and a local team ready to help at renewal, at claim time, and every time you need a certificate.
Texas Contractors Insurance Coverage Options
General Liability Insurance for Contractors
General liability is often the foundation of a contractors insurance program. It helps protect your business if you’re accused of causing bodily injury or property damage to others in the course of your work—for example, a client tripping over materials, damage to a client’s property, or completed operations claims. We review your trade, project types, and contracts to recommend limits that match your risk and meet common job requirements.
Workers’ Compensation & Employer’s Liability
Workers’ compensation helps pay for medical bills and lost wages if an employee is injured on the job, while employer’s liability helps protect your business against certain related lawsuits. Even if it’s not always required by law in every situation, many Texas contractors carry workers’ comp to protect their crews and meet contract requirements. We’ll talk through your payroll, subcontractor usage, and job-site risks so you can decide what’s right for your business.
Builders Risk / Course of Construction Coverage
Builders risk coverage helps protect buildings and materials during construction or major renovation. It can address damage from fire, theft, vandalism, certain weather events, and more, while a project is in progress. We’ll work with you, property owners, and lenders to make sure everyone understands who is responsible for securing builders risk and how the policy should be structured for each project.
Commercial Auto & Truck Coverage
If you or your crew drive trucks, vans, or service vehicles for work, commercial auto insurance helps protect your business when those vehicles are on the road. It can cover liability for accidents you cause and, depending on your choices, physical damage to your vehicles. We’ll look at your fleet (even if it’s just one or two trucks), who’s driving them, and how far you travel to build practical coverage and limits.
Tools, Equipment & Inland Marine Coverage
Contractors rely on tools and equipment that move from job to job. Inland marine coverage (sometimes called tools and equipment coverage) helps protect these items against theft, damage, and other covered losses—whether they’re on a truck, at a job site, or in temporary storage. We’ll review what you own, what you rent, and how you use your gear to structure limits and deductibles that make sense.
Professional Liability / Contractors E&O
Some contractors face exposure from design recommendations, specifications, or advice that goes beyond hands-on labor. Contractors professional liability (E&O) helps protect your business if a client claims that an error in your professional services caused them financial loss. For certain trades and project types, we’ll explore whether this type of coverage belongs in your insurance program.
Bonds & Certificate Support
Many jobs require bonds and specific certificate wording before you can step on site. While bonds are technically different from insurance, we can connect you with options and streamline the process of issuing certificates, adding additional insureds, and updating policy language to keep projects moving. Our contractors team focuses on fast, accurate documentation so insurance requirements don’t hold up your work.
Contractors Insurance Built Around Texas Job Sites
Texas contractors work in all kinds of conditions—from tight infill projects in Dallas-Fort Worth and Austin to wide-open commercial or residential sites across Central and West Texas. Heat, storms, wind, and rapid growth all influence job-site risk. We consider where you work, what you build, and how your crews operate when we recommend coverage and carriers.
Our local insight helps you:
- Understand how contract requirements and additional insured language affect your policy needs
- Choose liability and auto limits that satisfy project owners, GCs, and lenders
- Protect tools and equipment that move between trucks, shops, and multiple job sites
- Coordinate general liability, commercial auto, and workers’ comp for smoother claims handling
- Plan for growth as you add trucks, employees, and larger projects across Texas
Smart Ways Texas Contractors May Save on Insurance
Contractors insurance in Texas doesn’t have to be a guessing game—or more expensive than it needs to be. While pricing and discounts vary by carrier and eligibility, we look for ways to keep your coverage strong and your costs predictable as your business grows.
- Multi-policy savings when you place general liability, auto, and property with the same carrier
- Credits for strong safety programs, training, and documented job-site procedures
- Premium improvements tied to clean claims histories and responsible subcontractor management
- Better pricing by classifying employees and subcontractors correctly from the start
- Options to adjust deductibles thoughtfully instead of stripping away important coverage
- Structuring policies to reflect your true operations so you’re not paying for exposures you don’t have
We’ll compare options from multiple carriers side by side so you see more than just a premium— you’ll understand how each choice affects your protection, your contracts, and your cash flow. Our goal is to help you feel confident that your contractors insurance supports your work instead of holding it back.
Frequently Asked Questions
What types of contractors do you insure?
We work with a wide range of Texas contractors, including general contractors, remodelers, electricians, plumbers, HVAC companies, roofers, painters, landscapers, and many other specialty trades. If your work involves tools, job sites, or subcontractors, there’s a good chance we can help. We’ll ask about your projects, revenues, and crew size so we can match you with carriers that understand your trade.
Do I need contractors insurance if I’m a small or one-person operation?
Yes. Even small or solo contractors face real risk—one accident, property damage claim, or injury could have a major financial impact. Many clients and general contractors also require proof of insurance before they’ll work with you. We’ll help you build a right-sized policy that protects your business and meets common contract requirements without feeling overbuilt for where you are today.
What’s the difference between general liability and workers’ compensation?
General liability helps protect your business if your operations cause bodily injury or property damage to others, like clients or the public. Workers’ compensation is designed to help cover medical costs and lost wages for employees who are injured on the job, along with certain employer liability protections. Both can be important—general liability for your external exposures, workers’ comp for your internal team. We’ll walk through where each applies in your day-to-day work.
Why do job owners and GCs care so much about additional insured and certificates?
Project owners and general contractors often require to be named as additional insureds so they have some protection under your policy if a claim arises from your work. Certificates of insurance (COIs) are the proof they use to confirm coverage, limits, and status. Our contractors team focuses on fast, accurate certificate turnaround and clear additional insured language so you can get on site without delays.
How much contractors insurance do I need in Texas?
The right limits depend on your trade, project sizes, client requirements, payroll, and equipment values. We usually start by reviewing your contracts to see what’s required, then look at your revenues, assets, and risk tolerance. From there, we recommend liability, auto, property, and workers’ comp limits that feel realistic and protective—not just the bare minimum.
Can you help if I’ve had claims or coverage gaps in the past?
In many situations, yes. Claims history and coverage gaps can make insurance more challenging, but they don’t always mean your options are limited forever. We’ll ask about what happened, what you’ve changed since then, and how your business operates today. Then we’ll work to find carriers that understand your story and help you move toward better long-term stability and pricing.