Are you a contractor in Texas? ...Do you have the right insurance??

Are you a contractor in Texas? ...Do you have the right insurance??

Why is it so important for contractors to have insurance? …and what kind is appropriate?

Whether you’re a Machine Shop, you do concrete work or you’re a dirt or road contractor in Texas or Louisiana, it’s critical to have the right insurance. Not only to protect your business and your clients, but depending on your state, the law may require it. 

So, what type of insurance is going to be the most important? It depends on what type of contractor you are and the size and scope of your project but in general, Worker’s Compensation and Liability Insurance will be the place to start.

Liability insurance will help protect against property damage, injury, legal fees, and can help protect your assets and employees. 

Though Worker’s Compensation Insurance in Texas isn’t required for most businesses, it will save you money in the long run and may be required if you’re a Contractor who’s doing business with a government entity.

Worker’s compensation helps protect employees if they are injured on the job but also helps protect the company from legal costs if they get sued for an “on the job” injury or illness. 

Texas & Louisiana contractors may also benefit from additional coverage like:

  • Commercial Property Insurance
  • Professional Liability Insurance
  • Commercial Auto Insurance
  • Business Owner Policy (BOP)

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