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Commercial Lines

Commercial insurance is perfect for all general contractors and small business owners. Using a quick analysis, we will help determine the correct amount of coverage for all your needs.

Texas is a "Right to Work State" and does not require workers' compensation. However, this does not release you from your responsibility if someone is hurt on the job. We recommend that all businesses have workers' compensation plans to protect their employees on the job. The premium is based on certain payroll classifications. If you use uninsured subcontractors, make sure you have them sign a DWC-85 Rejection and Separation from Coverage form developed by the Texas Workers' Compensation Commission. Have insured subcontractors provide you with a Certificate of Insurance showing you a Waiver of Subrogation. General liability insurance provides damage coverage. You are legally required to pay for bodily injury or property damage caused by an occurrence arising out of ownership, maintenance, or use of your premises or operations (job site). Coverage is not provided for property damage while in the care, custody, or control of the insured. General liability insurance also provides coverage for bodily injury and property damage caused by your products after you have relinquished possession to others, or from your operations after they have been completed. We provide umbrella insurance or excess general liability up to $10,000,000 if your contract requires this type of coverage as well as Commercial property, provides coverage for buildings or contents, including improvements and betterments for any limit, and Business Auto, for commercial vehicles ranging from pickup trucks to dump trucks. We provide coverage from the smallest tractor to the biggest piece of equipment.