Contractors · Construction · Trades · Texas
Contractor Insurance in Texas
Allen Jones Insurance Agency is an independent insurance agency in Canyon Lake, Texas that insures contractors and construction trades across Texas, comparing multiple carriers for general liability, workers' comp, commercial auto, equipment and bonds.
General contractors, remodelers, concrete, framing and dirt work crews all get asked for proof of insurance before the job starts. We build the coverage around your work and your contracts.
General liability
Covers injury to other people and damage to their property from your work, including after the job is finished. We write additional insured and waiver wording to match your contract.
Commercial auto
Covers your work trucks, trailers and the vehicles your crew drives for the business. Personal auto policies often exclude business use, so we put the trucks on the right policy.
Inland marine and equipment
Covers tools, skid steers, mini excavators and trailers that move between the yard and the jobsite. See our heavy equipment insurance page for more.
Workers' compensation
Covers medical bills and lost wages if someone on your crew is hurt on the job. Many general contractors and commercial customers ask for it, often with a waiver of subrogation.
Commercial umbrella
Adds higher limits on top of your general liability, auto and employers liability, for the big claim or the contract that asks for higher limits than one policy carries.
Bonds and builders risk
We also place bid, performance, payment and license bonds, and builders risk coverage for the structure while it is going up. Send us the contract and we will tell you what it asks for.
Where we work
We are based in Canyon Lake and work with businesses across Texas, including the Hill Country, New Braunfels, Boerne and San Antonio. Related pages: Dump Truck Insurance · Oilfield Service Insurance, and everything on our commercial insurance page.
Contractor Insurance FAQ
What insurance does a contractor need in Texas?
Most contractors start with general liability and commercial auto, then add contractors equipment coverage, workers' comp for the crew, and an umbrella for higher limits. Bonds come in when a job or license asks for one. Your contracts usually decide the limits and the wording you need.
What is a certificate of insurance and how fast can I get one?
A certificate of insurance, or COI, is a one-page summary that shows a general contractor or customer what coverage you carry. Send us the requirements and we write the certificate to match them, usually the same business day once the policy is in force.
What does additional insured mean on my policy?
It means your policy also protects the general contractor, owner or customer named on it for claims that come from your work. Most contracts ask for it. The wording matters, so we read your contract and match the endorsement to what it actually asks for.
Does general liability cover my tools and equipment?
No. General liability covers injury and damage you cause to other people. Your tools, skid steer and trailer need contractors equipment coverage, also called inland marine. That policy covers your equipment in the yard, on the trailer and at the jobsite, whether you own, lease or rent it.
What affects the cost of contractor insurance in Texas?
The main things are your type of work, your payroll and revenue, how much work you hand to subcontractors, your claims history, and the limits your contracts ask for. Roofing and excavation usually cost more than finish work. We compare several carriers so you can see your options.
Why did my insurance audit charge me for my subcontractors?
Carriers often charge for subcontractors who could not show their own insurance. At audit they treat that pay like your payroll. Collect a current certificate from every sub before they start work, and keep it on file. We can help you set up a simple checklist.
Who insures contractors in Texas?
Allen Jones Insurance Agency, an independent agency in Canyon Lake, Texas, quotes contractor insurance with multiple carriers for general contractors and trades across Texas. We work by text, phone and email and write certificates to your contract. Text (830) 305-4080 or request a quote online to start.
Get a quote
Request a quote online, or text 830-305-4080 or email ajones@allenjonesinsurance.com with what you do, your trucks and equipment, and any contract requirements. Allen follows up personally. A quote request is not a bind, and coverage is subject to underwriting.
Allen Jones Insurance Agency · PO Box 1927, Canyon Lake, TX 78133