Texas Contractor Insurance

Texas Contractor General Liability Insurance

Fast quotes, same-day certificates. Eligible contractors can bind online in minutes — others get routed to a specialist.

Check My Eligibility
Call 210-640-7050

What GL Covers for Texas Contractors

Bodily Injury

Third-party injury claims on your job site — medical costs, lost wages, legal defense.

Property Damage

Damage your crew causes to a client’s or third party’s property while working.

Completed Operations

Claims that arise after you finish a job — if your work causes injury or damage later.

Personal & Advertising Injury

Libel, slander, or advertising claims. Less common for contractors but included.

Standard limits: Most GL policies are written at $1M per occurrence / $2M aggregate. Many GCs and municipalities require this minimum before work begins.

How It Works

1

Answer Questions

Trade type, payroll, story height, prior claims. Takes about 5 minutes online for qualifying contractors.

2

Get Your Quote

Instant pricing for eligible trades. Complex or high-hazard work gets routed to a specialist.

3

Bind & Get COI

Pay and download your certificate of insurance the same day.

Ready to Get Covered?

Answer a few questions to check your eligibility for online binding — or talk to a specialist if you have a more complex risk.

Wondering what GL actually costs in 2025? See real market data: 2025 Contractor Insurance Cost Report

Common Questions

How fast can I get a certificate of insurance?

Eligible contractors who bind online can download their COI the same day — sometimes within minutes of payment.

What trades are eligible for online binding?

Most standard trades qualify — carpentry, painting, drywall, concrete flatwork, landscaping, and others. High-hazard trades like roofing, electrical, and plumbing typically require a specialist quote.

Does GL cover my employees?

No. GL covers third-party claims. Employee injuries require workers’ compensation coverage.

Do I need GL to pull a permit in Texas?

Many Texas municipalities require proof of GL before issuing a contractor’s permit. Requirements vary by city and trade.

Find Your Best Option

Get the Right Quote Fast

4 quick questions. We’ll route you to the fastest path for your situation.

Do you need coverage for a single job or short-term project?

Do you have employees or uninsured subcontractors?

Any prior liability claims in the last 3 years?

Do you do roofing, work above 3 stories, or have annual revenue over $5M?

Short-Term Option

Thimble looks like a fit.

Short-term GL, instant COI, no annual commitment. Great for single jobs or project-based work. Get a quote directly on Thimble’s platform — takes minutes.

Get a Thimble Quote →
Prefer to talk to someone? Schedule a call

These questions are a quick routing guide — not a final underwriting decision. Coverage subject to Thimble’s eligibility requirements.

You may qualify for an instant online quote.

Standard trade, clean history, annual coverage. Eligible contractors can get pricing online and bind same day through NEXT Insurance.

Check Online Quote Eligibility →
Prefer to talk to an agent? Schedule a call

These questions are a quick routing guide — not a final underwriting decision. Coverage subject to NEXT Insurance eligibility requirements.

Specialist Recommended

Let’s find the right carrier for your situation.

Your risk profile is outside the standard online-binding lane — that’s not unusual for contractors. A specialist can quote you across multiple carriers and find the best fit.

Schedule a Call →
Or call now: 210-640-7050

These questions are a quick routing guide — not a final underwriting decision.