BOP. E&O. Tools.
The coverage most contractors miss.
General liability is the floor — not the ceiling. These three coverages protect your business assets, your professional decisions, and the tools that keep you working.
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Three Coverages, One Conversation
We’ll tell you which ones apply to your operation — no upselling, no fluff.
Business Owner’s Policy
A BOP bundles general liability and commercial property into one policy — usually cheaper than buying them separately. If you own or lease a physical space or have business property, a BOP makes sense.
- Covers your office, shop, or storage location
- Business personal property (computers, furniture, inventory)
- Business interruption when covered losses shut you down
- GL coverage included — one policy, one renewal
- Often cheaper than separate GL + property policies
💡 Add a commercial umbrella on top to extend limits across the whole package.
Professional Liability
GL covers bodily injury and property damage. But if a client claims your advice or professional service caused a financial loss — that’s E&O territory. Increasingly required by GC contracts in Texas.
- Protects against negligence claims from clients
- Covers mistakes, omissions, and professional errors
- Pays legal defense costs even for groundless claims
- Often required for design-build, consulting, or specialty trades
- Can be paired with GL for full professional protection
💡 An umbrella won’t cover E&O — but having both closes most gaps.
Tools & Equipment
Your tools travel with you — and most standard policies don’t cover them off-premises. A tools and equipment floater covers your gear wherever it goes: jobsite, truck, storage, or transit.
- Covers theft from job sites and vehicles
- Covers accidental damage to tools and equipment
- Portable — travels with your crew
- Covers hand tools, power tools, and small equipment
- Can include rented or borrowed equipment
💡 Larger equipment (skid steers, lifts) may need an inland marine policy — ask us.
Commercial Umbrella — one policy, extra limits over everything.
A commercial umbrella sits above your GL, BOP, auto, and other underlying policies — extending your limits when a single claim exceeds your base coverage. For Texas contractors working larger jobs or holding bigger contracts, umbrella is often required and almost always worth the cost. It’s one of the highest-value policies per dollar we sell.
Talk to a specialist about umbrella limits →Which Coverage Fits Your Operation?
A quick guide — but call us if you’re not sure.
Start with GL — then add tools coverage if gear theft would hurt your ability to work.
If you own or lease a physical location with business property, a BOP beats buying GL and property separately.
If clients pay for your professional judgment, E&O is often required and protects you where GL won’t.
You likely need GL, tools, workers’ comp, and possibly a BOP — we’ll help you package it right.