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Lone Star Insurance Agency
Get More Information Cleburne (817) 641-3676 | Burleson (817) 426-2886
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Cleburne (817) 641-3676 | Burleson (817) 426-2886
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Home > Contractors Insurance - Burleson TX

Contractors Insurance


Contractors Insurance Information

As a general contractor, you and your business are entrusted to deliver high-quality products and services while maintaining strict timelines and adhering to contractual obligations. Given the substantial financial stakes that both you and your clients have in most projects, as well as fast-paced work environments that often include many risks, your business must acquire and maintain a robust insurance portfolio.

What Does General Contractors Insurance Cover?

A general contractor’s insurance needs may vary depending on their unique circumstance; however, several core coverages are generally necessary, including the following:

·        General liability insurance—This coverage can assist if your company is held legally or financially liable for bodily injuries or property damage to a third party, such as a client, guest or passerby.

·        Professional liability insurance—If a client alleges that your business provided improper services, didn’t uphold contractual promises, conducted incomplete or substandard work, or made other professional mistakes, this coverage may help pay for resulting expenses.

·        Workers’ compensation insurance—If an employee is injured on the job or develops a work-related illness, this coverage provides financial assistance for health care costs, rehabilitation and lost wages.

·        Tools and equipment insurance—This coverage provides financial protection for your company’s materials, tools and equipment if damaged, lost or stolen while in transit to and from a job site.

·        Commercial auto insurance—This coverage can help pay for losses arising from incidents involving vehicles used by your business.

·        Umbrella insurance—This coverage can provide additional financial assistance if the losses and damages arising from an incident exceed the coverage limits of other policies (e.g., general liability, commercial auto).

In addition to the aforementioned types of coverage, contractors should also analyze their specific operations and assess any additional risks and exposures. For example, businesses that regularly depend on technology or store client data online should strongly consider cyber liability insurance.

How Much Does Contractors Insurance Cost?

Like most types of insurance, the cost of adequate coverage for your contracting business may vary significantly compared with others. When providing contractors with quotes for policies, insurance providers must weigh several factors, including the following:

·        Services offered

·        Business property and equipment

·        Company size and revenue

·        Number of employees

·        Policy details (e.g., types of coverage, policy limits, deductibles)

Get the Right Coverage

Operating as a general contractor can be rewarding and lucrative; however, your business must also regularly bear significant responsibility. Clients depend on general contractors to deliver reliable goods and services while adhering to strict timetables. Even a tiny error or lapse in attention by a single employee or subcontractor could have catastrophic consequences for a project and lead to irreparable financial ramifications for your business.

The insurance experts at Lone Star Insurance Agency are ready to help. Our agents are dedicated to ensuring contractors in the Burleson area understand their coverage needs and will work tirelessly to build you an ideal insurance portfolio. Contact us today to get started.

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Burleson Location

240 NW Newton Drive
Burleson, TX 76028

Phone: (817) 426-2886
Fax: (817) 426-2887
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Cleburne Location

1200 W. Henderson Street Suite A
Cleburne, TX 76033

Phone: (817) 641-3676
Fax: (817) 426-2887

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