Texas Insurance Agency is the leading provider of fast, affordable, and professional general contractor insurance Katy, TX. We’re an independent insurance agency that works for you. Experience the difference and see what we can do for your insurance needs.
The Need For General Contractor Insurance Katy, TX
General contractor insurance is one of the most important types of insurance for any business in the construction industry. This is vital whether you’re an independent contractor or a commercial construction company. General contractor insurance Katy, TX is the safety net you’ll need to ensure your business is completely protected.
General contractor insurance Katy, TX is important for your business’s success!
Whether it’s a small landscaping job or constructing a skyscraper, accidents can and will always happen. In the event of
- Damage to property, or
- An employee suffering an injury
you can be sure the contractor in charge will be the one on the receiving end of any claims. Without proper coverage, they could even be forced to pay out of pocket.
Because of this, contractor insurance is an absolute necessity. This insurance will protect business owners from liability in the event of any of those accidents.
It can also protect your business against advertising injuries, such as libel or slander, that could hurt your business. It can also provide protection from any lawsuits or additional liabilities.
Of course, these protections will vary depending on the type of policy you have. Because of this, it is essential to find the right coverage that will work best for you and your business. That’s why Texas Insurance Agency is here to make finding that coverage as easy as possible.
A Guide To An Essential Insurance
Big or small, any construction businesses operating in the industry are required to have contractor insurance.
- Proof or certificate of insurance is often required before a construction job can even begin.
- This proof is also beneficial to your business. Potential clients may not want to work with a contractor that is not insured. A lack of insurance coverage could result in the client being held responsible for any damage or injuries.
However, independent contractors and commercial construction companies require different levels of insurance. This means independent contractors won’t require extensive insurance coverage the way a larger company would.
When seeking contractor insurance, you can be certain your business will need any or all of the following:
- The most common (and important) insurance for any contractor is Contractor Liability Insurance. This differs from the standard General Liability Insurance coverage most businesses require. It will protect against any liability issues while working on a job site. It can also cover any damage claims that may occur against a contractor.
- Products and Completed Operations Insurance is usually not included with liability coverage. However, it is an important investment for any contractor to have. This will cover any liability of your work after a job has been completed.
- If you own and operate your own tools, Equipment Coverage is also a good investment for contractors. This insurance covers most contractor equipment, such as hand tools and heavy machinery.
- If you’re hiring employees, another necessary insurance is Workers’ Compensation. This will cover lost wages and any medical costs if an employee is injured while on the job. It will also protect your business against liability as an employee can’t sue if relying on this coverage.
- Whether you’re a larger company that owns an office building or have heavy machinery that is kept in storage, Property Insurance is another essential investment. This will protect certain structures and the property stored in them.
- If your company uses vehicles for projects, Commercial Auto insurance is another crucial investment to consider. This will protect your vehicles in the event of any work-related damage or accidents that may occur. This insurance can cover one or multiple vehicles.
Additional insurance considerations include:
- Contractor Pollution Insurance – Violating environmental laws can lead to a lawsuit. This insurance will provide protection to a contractor in the event of this occurrence.
- Builders Risk Insurance – This insurance provides protection to a building that is under construction. Job sites are common targets for theft and vandalism, as well as fires and storms. Builders’ Risk Insurance can cover the cost in the event of any damage or loss.
Texas Insurance Agency can help find the best contractor insurance for your business!
We know Contractor Insurance can be difficult to navigate. At Texas Insurance Agency, we have the skill and expertise to guide you through it. We’ll work with you to tailor a policy that provides all the coverage you need.
Your Success Is Our Success
Insurance options and rates can vary depending on the level and type of contractor work performed. With that in mind, Texas Insurance Agency is here to guide you through the process. It’s our responsibility to ensure you have a policy that protects your business.
We’re proud to be an independent insurance agency that works for you. We strive to provide our clients and the businesses we represent with top-level insurance coverage. Our aim is to find the policy that fits your needs and meets your satisfaction.
Whether it’s Commercial or Personal, we’re committed to our clients’ peace of mind. Unlike other insurance companies, we know that you only want to pay for the insurance you will actually need.
It’s our objective is to find the policy that works best for you.
Our independent agents and brokers have the knowledge to find the best policy protection for you. Every step of the way we’ll be a helping hand to ensure you have exactly what you need. We firmly believe this commitment to our clients is the reason for our success.
Experience the difference today! Our office is conveniently located in Katy. We offer free quotes so call us today to see what we can do for you.
Of course, we know you have a busy schedule. That’s why our website is available 24 hours a day to answer any questions you may have.
No matter what you’re looking for, Texas Insurance Agency is your one-stop for general contractor insurance Katy, TX.
Fun Facts About Katy, TX:
- Katy was once called “Cane Island.”
- Katy is known for its rice farming.
- Country singer Clint Black once called Katy home.
