Construction Insurance
Secure comprehensive coverage for property, guests, and peace of mind, empowering your construction business with robust protection to thrive without worry.
Why Us: Expertise tailored to construction's distinct challenges and regulations.
Our construction insurance specialists leverage decades of industry experience to confidently guide your risk management approach with expert advisors who profoundly understand construction risks. We collaborate closely to develop coverage solutions that mitigate jobsite hazards, errors and omissions, environmental exposures, and project delays while proactively addressing evolving regulatory standards. This enduring commitment ensures robust protection accompanies your construction firm's continued growth and success.
Seasoned construction insurance specialists serve general contractors, subcontractors, and specialized tradesmen across all project scales. Through continuous monitoring of OSHA regulations, safety standards, and emerging worksite hazards, we stay ahead of evolving industry challenges. This proactive approach ensures your policy provides comprehensive protection against jobsite injuries, defective work, and environmental liability concerns.
Exceed basic coverage with construction solutions tailored for your projects. Coverages span from property and equipment to liability and job site incidents, delivering comprehensive protection that leaves no vulnerability behind in your building operations.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Covers physical damageto buildings, equipment, and materials on construction sites caused by fire, storms, vandalism, or other perils
• Includes coverage for property in transitwhile being transported between locations, protecting materials and equipment during transportation
• Provides coverage for temporary structuressuch as scaffolding, fencing, and site offices used during the construction process
• Covers tools and machineryowned by the contractor or subcontractors, including loss or damage to equipment
• Protects against third-party injury claimsthat may arise from construction accidents or incidents on the job site
• Covers property damage claimsif the contractor's work inadvertently damages a neighboring property or structure
• Includes product liability protectionfor defective products or faulty workmanship that may cause injury or damage
• Provides coverage for legal feesand settlements related to covered liability claims against the contractor
• Mandatory coverage for workplace injuriessustained by employees, providing medical expenses and wage replacement benefits
• Covers rehabilitation costs and disability benefitsfor workers who suffer long-term or permanent injuries on the job
• Includes death benefitsfor families of workers who suffer fatal injuries in construction-related accidents
• Provides protection for the contractorfrom lawsuits by injured employees covered under workers' compensation
• Covers errors and omissionsin professional services, such as design, engineering, or architectural work
• Protects against claims of negligenceor failure to meet professional standards in construction-related services
• Includes coverage for contract disputesor allegations of breach of contract related to professional services
• Provides coverage for legal defense costsand settlements arising from professional liability claims against the contractor
On average, Construction Insurance costs around $2,000 annually; however, individual premiums vary based on several factors:
Larger construction projects with intricate designs and specialized procedures generally demand higher premiums, as risks associated with extensive operations increase proportionately.
Construction sites located in areas prone to natural disasters, adverse weather conditions, or environmental risks often incur surcharges due to heightened liabilities.
Companies with a proven track record of safe practices and minimal claims typically receive lower rates, while those with frequent incidents face higher costs.
Effective subcontractor vetting, oversight, and risk transfer strategies can significantly impact premiums, as insurers account for potential third-party exposures and liabilities.
Higher coverage limits and broader policy scopes, encompassing risks like property damage, liability, and workers' compensation, generally result in steeper premium costs.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Construction insurance policies generally cover property damage, third-party injuries, and work stoppages related to the construction project. However, specific coverages may vary based on policy details and jurisdiction. It's crucial to review exclusions carefully and ensure adequate protection for your operations, materials, equipment, and liability exposures. Regular risk assessments and coordination with your insurer are recommended.
Yes, it's generally advisable to obtain insurance coverage for temporary structures used during construction, such as scaffolding, formwork, or site offices. These structures are vulnerable to various risks, including weather events, theft, and accidents. Many construction policies offer optional endorsements or separate policies to protect temporary facilities and ensure compliance with local regulations. Discussing your project specifics with an insurance agent can help determine appropriate coverage.
To manage risks associated with subcontractors, it's crucial to implement robust prequalification procedures and contractual requirements. Verify that subcontractors maintain adequate insurance coverage, including general liability and workers' compensation policies. Additionally, consider implementing indemnification clauses, outlining subcontractor safety responsibilities, and conducting periodic site inspections. Regular communication and documentation can help mitigate potential issues and ensure compliance with insurance requirements.
Start Your Coverage Today
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
