Insurance for
Contractors

Every trade has its own set of concerns. Maybe it is a plumber worrying about leaks or a roofer working high above the ground. Some risks cut across the board though. Tools and equipment can get damaged or stolen. Accidents happen, and if someone gets hurt on your job site or property, you need solid liability coverage. Mistakes in design or advice can lead to costly claims, especially if you offer consulting or engineering. Texas laws around workers’ compensation and contracts can be tricky, so understanding your obligations helps keep your business safe. And with more work depending on electronic records, cyber risks are growing fast.

Here is a quick look at how risks differ by trade:

• General contractors juggle many moving parts, which means more chances for liability tied to subcontractors or project coordination.
• Electricians face hazards like shocks or fires and must stick to state codes.
• Plumbers deal with water damage and backups plus safety around pipes.
• HVAC pros manage refrigerants and potential system failures, with licensing requirements to meet.
• Landscapers handle equipment safety and environmental concerns with fertilizers or pesticides.
• Roofers face falls and property damage risks and must follow strict safety rules.
• Painters watch out for overspray and fumes.
• Carpenters risk injury with tools and responsibility for structural work.
• Concrete contractors must consider site damage and environmental impacts.