Contractors Insurance in Houston, Texas
Contracting work comes with unique risks, from job site accidents to property damage. Contractors insurance is designed to help manage those exposures by combining coverages that address both business and liability needs. It’s a key part of building stability for any professional working in construction or skilled trades.
Do Contractors Need Insurance? 
Most contractors benefit from having insurance in place. In many cases, it’s required by either state regulations or client contracts. Beyond requirements, insurance can help contractors handle unexpected costs tied to accidents, legal claims or damaged property.
Without proper coverage, unexpected events could lead to significant out-of-pocket expenses and potentially harm your reputation or ability to secure future projects.
What Does Contractors Insurance Cover?
A contractors insurance package may include the following coverage options:
- General liability insurance may assist if your business is responsible for third-party injuries or property damage.
- Commercial property insurance may help cover tools, equipment or office space if damaged by a covered event.
- Workers’ compensation insurance may step in to support employees with medical bills and lost wages if they are injured on the job.
- Commercial auto insurance may cover vehicles owned and used for business purposes.
- Professional liability insurance may assist if a client claims errors or negligence in your work.
How Much Does Contractors Insurance Cost?
Premiums depend on several factors, such as the type of contracting work you do, the number of employees you have, your claims history and the coverage limits you select. Higher-risk trades, such as roofing or electrical work, may carry higher premiums than lower-risk trades. Comparing quotes from multiple insurers is a smart way to find coverage that balances cost and insurance.
Request a Quote Today
Contractors insurance helps you prepare for the financial risks that come with running a business in the trades. At Estradas Income Tax & Insurance, we can explain your options and tailor coverage to fit your needs. Contact us today to request a contractors insurance quote.