Contractors Insurance
Comprehensive protection for your projects and guests, offering peace of mind with property and liability coverage, freeing you to focus on quality work.
Insuring your contracting expertise: We comprehend the industry's distinct intricacies.
Drawing from decades insuring contractors, our expert advisors intimately understand jobsite hazards and project risks. We partner closely with you to craft coverage solutions mitigating exposures like construction defects, environmental liability, and subcontractor risks, while proactively addressing evolving regulations. Our dedication to ongoing guidance ensures robust protection accompanies your firm's success as client portfolios expand and services diversify.
Licensed commercial insurance experts serve general contractors, specialty tradesmen, and niche service providers in the construction industry. Continuously tracking evolving safety codes, licensing requirements, and liability exposures, we take a proactive approach to mitigate emerging risks. This expertise enables comprehensive coverage tailored to safeguard against worksite injuries, project delays, and property damage liabilities.
Surpassing basic policies, our contractor's coverage provides tailored solutions. From equipment damage to liability claims and injuries on-site to professional errors, our comprehensive plans leave no vulnerability unaddressed for your contracting business.
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.
• Property damage protectionfor equipment, buildings, and clients' property accidentally damaged
• Bodily injury coveragein case workers are injured on the job
• Products liability protectionif products or work causes injury or damage
• Personal/advertising injury liabilityfor slander, libel, copyright infringement claims
• Liability for vehicle accidentsinvolving worker-operated vehicles on the job
• Collision coveragefor repair of damaged work vehicles
• Comprehensive coveragefor fire, theft, vandalism on work vehicles
• Uninsured/underinsured motorist protectionif other drivers lack insurance
• Medical expense coveragefor worker injuries or illnesses on job
• Disability income benefitsif unable to work due to injuries
• Survivor benefitsfor families of workers killed on duty
• Vocational rehabilitation servicesfor returning to suitable employment
• Errors and omissions protectionfor professional negligence or mistakes
• Contract dispute coveragefor alleged breach of contract issues
• Pollution liability protectionfor releases impacting the environment
• Copyright infringement defenseagainst accusations of intellectual property misuse
On average, Contractors Insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
Higher insurance premiums arise for risky projects involving substantial liability, whereas routine construction jobs with lower values require less coverage.
Contractors providing specialized design services or engineering expertise face increased malpractice claims risk, necessitating more comprehensive professional liability insurance.
Firms with a robust safety program and few past claims can qualify for lower premiums, while those with frequent incidents pay more.
Insurance costs vary geographically based on the differing legal climates and frequency of lawsuits in certain regions or states.
Larger contractor firms with extensive payrolls typically require higher workers' compensation and employer's liability limits, increasing overall premium amounts.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Contractors insurance typically includes property damage coverage for third-party injuries or losses caused by your operations. It protects against claims arising from incidents like equipment hitting a bystander's vehicle or debris damaging neighboring structures. Certain high-risk activities may require higher liability limits. Rigorous safety protocols and inspections can prevent accidents and mitigate risks. Consult your provider about the appropriate coverage levels.
Most general contractors insurance policies are designed to cover a range of common construction activities. However, specialized or high-risk projects like demolition or working with hazardous materials may necessitate additional endorsements or separate policies. Regularly review your scope of work and communicate project specifics to your insurance provider. They can assess potential exposures and recommend appropriate coverage modifications to ensure adequate protection.
While contractors insurance does not cover the costs of redoing defective work, it can protect against third-party claims arising from faulty workmanship that causes property damage or bodily injury. For instance, if a poorly installed roof leads to water damage in the client's home, liability coverage would respond. Implementing rigorous quality control measures and using reputable subcontractors can minimize such risks.
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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.
