Contractor Insurance
in Texas
Safeguard Your Business Against Texas Job Site Risks and Requirements
Texas contractors face a unique mix of regulatory requirements, severe weather risks, and competitive job site conditions. Whether you’re framing homes in Houston, managing a roofing crew in Dallas, or wiring commercial spaces in Austin, you need insurance that’s built for your trade—and your state.
At ACI, we offer fast, affordable contractor insurance that helps you stay licensed, protected, and ready for the next job.
Why Contractors in Texas Choose ACI
Texas contractors trust ACI because we make getting insured fast, affordable, and tailored to the way you work.
Texas-Specific Expertise
We know the state laws, license requirements, and risks contractors face in Texas.
Fast Certificates
Get same-day COIs to secure jobs and prove compliance.
Live Agent Support
Speak directly with a licensed agent—no phone tag or bots.
Affordable Down Payments
Flexible plans starting at just 20% down.
Bundled Savings
Combine coverages for a better rate and simpler policy management.
Insurance Coverage We Offer in Texas
We provide all the essential coverages contractors in Texas need to stay protected and compliant:
- General Liability Insurance
Protects against third-party property damage and bodily injury claims that occur on the job site.
- Workers’ Compensation Insurance
Covers medical bills and lost wages for employees injured while working, even if you’re not legally required to carry it.
- Commercial Auto Insurance
Insures vehicles transporting materials, tools, or crew members between Texas job sites.
- Tools & Equipment Insurance
Reimburses for lost, stolen, or damaged tools—whether they’re in your truck, trailer, or job site.
- Builder’s Risk Insurance
Protects construction projects under development from fire, theft, vandalism, and weather-related losses.
- Professional Liability Insurance
Covers claims of negligence, code violations, or design errors that result in financial loss for a client.
Who We Cover in Texas
We insure a wide range of contractors across Texas, from solo tradespeople to full-scale construction crews.
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
No matter your trade, if you build in Texas, we’ve got coverage designed for you.
How Much Does Contractor Insurance Cost in Texas?
Insurance rates for Texas contractors vary based on your business size, trade, and coverage needs. ACI offers flexible payment options—many policies start at just 20% down.
Cost Factors
- Business Type & Risk Level
High-risk trades like roofing typically pay more than lower-risk roles like painting or tiling.
- Number of Employees
More crew members can increase premiums, especially for workers’ compensation coverage.
- Claims History
A clean claims record can help lower your premium, while past claims may increase your rate.
- Equipment & Vehicles
The more tools, trucks, or trailers you insure, the higher your total coverage cost.
- Deductible
A higher deductible lowers your premium but increases out-of-pocket costs during a claim.
Example: Deductible Impact on Monthly Cost
Choosing a higher deductible—like $1,000 instead of $500—can lower your monthly insurance premium.
Want an exact number?
Texas Contractor Insurance Requirements
General Liability Insurance
Not required by the state, but often mandated by cities or clients to get licensed and win jobs.
Workers’ Compensation Insurance
Optional in Texas, but may be required for public projects or by certain employers—recommended for employee protection.
Commercial Auto Insurance
Required by Texas law for any vehicle used for business tasks, including transporting tools or workers.
Builder’s Risk Insurance
Not state-mandated but often required by lenders or project owners for coverage during active construction.
Insurance requirements vary by trade and location—check with a licensed agent to stay compliant.
Get a Free Contractor Insurance Quote
in Texas
Secure the coverage you need—fast. Speak with a licensed ACI agent today and get a free, no-obligation quote tailored to your trade.