Texas Contractor Resource Center
Insurance Guides for Texas Contractors
Plain-English answers to the coverage questions contractors actually ask.
General Liability
What Does GL Actually Cover?
The 3 core coverages, real contractor scenarios, what GL doesn’t cover, and standard limits.
Read guide →Subcontractors
When Is a Subcontractor Actually Covered?
6-question workflow to know exactly when your GL covers a sub — and when it doesn’t.
Read guide →COI
Certificate of Insurance — When Do You Need One?
What a COI proves, when you’ll be asked for one, AI requests, and same-day options.
Read guide →Classification
Employee vs. Subcontractor: What Your Carrier Needs to Know
How worker classification affects your GL premium, audit, and claim outcomes.
Read guide →Workers’ Comp
Do I Need Workers’ Comp in Texas?
Texas opt-out rule, when WC is required anyway, sole proprietor exclusion, and rate basics.
Read guide →Market Data
Contractor Insurance Costs in 2025: What the Data Actually Shows
GL up 5–15%, auto still climbing, umbrella hardest hit, WC favorable. Real numbers from CIAB, WTW, and Research & Markets.
Read report →