Texas Contractors Insurance – Tailored Coverage for Texas Builders

At OKC Insurance Brokers, we provide specialized protection for builders, subcontractors, and tradespeople across Texas. Whether you’re an electrician, roofer, or general contractor, we offer the coverage you need to protect your projects and team.

We understand that choosing the right coverage can be challenging. That’s why we work with top insurance providers to bring you affordable options based on your unique business risks and Texas licensing requirements.

Core Coverage Options for Construction Professionals

Our team offers a variety of policies designed for the construction industry across Texas.

General Business Liability

This policy covers claims involving property damage or bodily injury during your day-to-day operations or on job sites. Requirements vary by Texas city – Dallas requires registration and proof of liability insurance, while Houston requires coverage for specific permit types.

Tools and Equipment Protection

Smaller tools are typically insured under a blanket policy with no item list, while larger equipment like generators or compressors is insured separately through inland marine coverage.

Coverage for Projects Under Construction

Also known as Course of Construction Insurance, this plan protects property while it’s being built or renovated. Most lenders require this policy before funding new projects or major remodels.

Other Business Insurance Essentials

Employee Injury Protection

Texas is unique – workers’ compensation is optional for most private employers. However, workers’ compensation provides crucial protection. If you choose not to carry workers’ comp, injured employees can sue you directly. Contractors working on government projects must provide workers’ compensation coverage. Learn about Texas workers’ comp requirements.

Commercial Vehicle Coverage

Personal auto policies don’t cover vehicles used for business. So if you transport tools or travel to job sites, you need a policy built for business use.

Texas Contractor Licensing & Insurance Requirements

State Licensing Requirements

Texas has specific licensing requirements depending on your trade:

• General Contractors: No state license required, but local permits and registration may be necessary in cities like Dallas ($120 registration fee) and Houston.
• Electrical Contractors: Must obtain license through Texas Department of Licensing and Regulation (TDLR)
  • Master Electrician License: $45 application fee
  • Requires 12,000 hours of experience and journeyman license for 2+ years
• Plumbing Contractors: State licensing required through TSBPE
  • Responsible Master Plumber License: $345 fee
  • Requires $300,000 commercial liability insurance
• HVAC/Air Conditioning Contractors: Licensed through TDLR
  • Class A License: No size restrictions ($300,000 liability required)
  • Class B License: Limited to 25 tons cooling/1.5M BTU heating ($100,000 liability required)
• Roofing Contractors: No state license required, but local permits needed in most cities

Permit Resources by Major Texas Cities

• Dallas: Building Inspection – Contractor Registration | Permit Portal
• Houston: Basic Business License | Permit Center
• Austin: Development Services | Austin Build + Connect
• San Antonio: Development Services Department | Permit Center
• Fort Worth: Planning & Data Analytics | Permit Center

Why Choose Us?

Our knowledgeable team offers personalized guidance to help contractors manage risk and meet legal requirements. We proudly serve professionals in Dallas, Houston, Austin, San Antonio, Fort Worth, and surrounding Texas areas.

📞 Call 405-509-9433 or request a quote online to explore the right insurance options for your Texas business.

Frequently Asked Questions – Texas Contractors