Contractor Insurance in Dallas
GL, workers comp, commercial auto, inland marine, and surety bonds for Dallas contractors. Same-day COIs and additional insured endorsements.
Insurance Coverage Contractors Need in Dallas
General liability is your baseline — every GC requires $1M/$2M minimum before you step on a job site. Workers comp covers on-the-job injuries and is required by most GCs even though Texas doesn't mandate it. Commercial auto covers work trucks and vans. Inland marine covers tools and equipment at job sites. Surety bonds for projects above $100K. Umbrella for higher contract limits.
Dallas Construction Industry Risks
Hail damages job sites every spring — materials, structures, and equipment are all exposed. OSHA inspections have increased across DFW. Summer heat creates heat illness exposure for crews. Tool theft from job sites costs Dallas contractors millions annually. We build programs that address every one of these risks.
What Contractor Insurance Costs in Dallas
Small residential contractor ($500K revenue): $6,000 to $12,000/year for a full program. Mid-size GC ($2M revenue): $20,000 to $40,000+. Specialty trades vary widely based on classification code and payroll.
"Our agent shopped five carriers, beat our old policy by $4,000 a year, and had certificates in our GC's hands the same afternoon."
Frequently Asked Questions
Still have questions? Call us at (214) 555-0100 or request a free quote.
Same day. We issue certificates of insurance and additional insured endorsements immediately after binding. Electronic delivery to your GC's inbox.
Texas doesn't require it, but most GCs do. Without workers comp, you likely won't get on the job site. And if you're injured, there's no safety net.
Yes. We work with specialty markets that write harder risks — new businesses, businesses with claims history, and high-risk classification codes.
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