Contractor Insurance — Houston, Texas

General liability, workers’ comp, and surety bonds for Houston contractors. Quote online and get your COI the same day.

Houston ContractorsSame-Day COIA-Rated Carriers$1M / $2M LimitsLicensed TX Agents
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Online binding through NEXT & Thimble  ·  Licensed Texas agents since 2010  ·  210-640-7050

Contractor Insurance in Houston

Houston is the largest construction market in Texas and one of the most active in the country. Harris County contractors face a wide range of project types — residential, commercial, industrial, and energy sector — each with different insurance requirements. Getting the right GL policy with the right endorsements is critical to getting on job sites and passing project submittals.

Houston GCs and owner-representatives are among the most stringent in Texas on insurance documentation. Projects frequently require specific additional insured language, primary and non-contributory wording, and waivers of subrogation. We get the COI right the first time so you are not delayed getting on site.

GC & Permit Requirements in Houston

Houston commercial projects and large GCs commonly require $1M/$2M GL at minimum, with many industrial and energy-sector projects requiring $2M/$4M or higher. Additional insured endorsements, primary and non-contributory language, and 30-day notice of cancellation are standard requirements on most Houston commercial job submittals.

Coverage for Houston Contractors

General Liability

Required on virtually every job in Houston. Covers third-party bodily injury and property damage claims. Most GCs, commercial clients, and permit offices require $1M/$2M minimum.

Workers’ Comp

Required when you have employees. Covers medical costs and lost wages for workers injured on the job. Many Houston GCs require proof of WC before crews arrive on site.

Surety Bonds

Required for some Houston contractor license types and contract bids. We place contractor license bonds and contract bonds through our advisor team.

Same-Day COI

For most eligible classes, proof of insurance is available immediately after binding. Additional insured endorsements and waivers of subrogation handled same day.

Trades We Cover in Houston

ElectricianGL & WC for electrical contractors
PlumberGL & WC for plumbing contractors
HVACGL & WC for HVAC contractors
RooferAdvisor-placed GL for roofers
HandymanPer-job or annual GL
LandscapingGL & WC for lawn care

Common Questions — Houston Contractors

What GL limits do Houston GCs require?
Houston commercial projects and large GCs commonly require $1M/$2M GL at minimum, with many industrial and energy-sector projects requiring $2M/$4M or higher. Additional insured endorsements, primary and non-contributory language, and 30-day notice of cancellation are standard requirements on most Houston commercial job submittals. For most commercial work, $1M per occurrence / $2M aggregate is the baseline. Some Houston commercial clients and government contracts require $2M per occurrence or higher. Always review your contract before purchasing.
Can I get same-day coverage for a Houston job?
Yes — for most standard contractor operations with clean loss history. Bind online through NEXT or Thimble and download your COI in minutes. For jobs with specific wording or endorsement requirements, our specialist team can typically turn around same-day.
Do I need a Texas contractor license to get insurance?
No license is required to purchase GL insurance. However, specific trades — electricians, plumbers, HVAC technicians — must be licensed through TDLR to work in Texas. Carriers will ask about your trade and license status.
Do Houston GCs require specific insurance wording on COIs?
Yes — most Houston building permit applications require proof of GL and sometimes workers’ comp before a permit is issued. A COI (certificate of insurance) is the standard proof. We can have your certificate ready before you submit.
What if I work in Houston but my business is based elsewhere in Texas?
Your GL policy covers your operations across Texas regardless of where your business is registered. You don’t need a separate policy for Houston — your existing coverage travels with you as long as the policy is in force.

Get Your Houston COI Today

Quote online in minutes or talk to a Texas specialist for complex situations.

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210-640-7050  ·  Licensed Texas agents since 2010  ·  Boerne / San Antonio, TX