Contractor Insurance — San Antonio, Texas

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

San Antonio 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 San Antonio

San Antonio is one of the fastest-growing construction markets in Texas. From the North Side to the South Side, contractors working in Bexar County face active GC requirements, residential boom demand, and a mix of commercial and government work that requires proper GL documentation before you step on site.

We are based in Boerne — 30 miles northwest of downtown San Antonio — and have been placing contractor insurance across the San Antonio metro since 2010. We understand what local GCs, property managers, and permit offices require. Same-day COI for most eligible classes.

GC & Permit Requirements in San Antonio

San Antonio GCs and Bexar County permit offices typically require $1M/$2M GL minimum. The City of San Antonio building permit applications require proof of insurance for licensed trades. CPS Energy, SAWS, and government contracts often require $2M per occurrence or higher limits plus additional insured endorsements.

Coverage for San Antonio Contractors

General Liability

Required on virtually every job in San Antonio. 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 San Antonio GCs require proof of WC before crews arrive on site.

Surety Bonds

Required for some San Antonio 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 San Antonio

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 — San Antonio Contractors

What GL limits do San Antonio GCs require?
San Antonio GCs and Bexar County permit offices typically require $1M/$2M GL minimum. The City of San Antonio building permit applications require proof of insurance for licensed trades. CPS Energy, SAWS, and government contracts often require $2M per occurrence or higher limits plus additional insured endorsements. For most commercial work, $1M per occurrence / $2M aggregate is the baseline. Some San Antonio 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 San Antonio 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.
Does the City of San Antonio require insurance to pull a building permit?
Yes — most San Antonio 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 San Antonio 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 San Antonio — your existing coverage travels with you as long as the policy is in force.

Get Your San Antonio 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