Texas General Contractor Insurance Guide
Texas General Contractor Insurance Cheat Sheet
One-page reference covering what you’re legally required to carry, what clients demand on COIs, the most expensive coverage gaps, and links to the authoritative sources.
What’s in the cheat sheet
- Coverage requirements (required vs. common vs. optional)
- COI limits table — what GC contracts typically demand
- 5 coverage gaps that cost Texas GCs money
- Quote prep checklist — what speeds up your quote
- Texas-specific rules (non-subscriber WC, TDLR, statute of repose)
- Authority links: TDLR, AGC, OSHA, TDI, TEXO
PDF • 1 page • Print-ready
What Texas GCs actually need to carry
General Liability
$1M/$2M is the floor on most contracts. Required on virtually every commercial job in Texas.
Workers’ Compensation
Optional under Texas law — but most GCs require it from subs. Not carrying it is a liability risk.
Commercial Auto
Required if any vehicles are used for business. Personal auto doesn’t cover commercial use.
Umbrella / Excess
$1M–$5M over primary limits. Routinely required on larger public and commercial projects.
Builder’s Risk
Covers the structure under construction. Specify in your contract whether GC or owner carries it.
Tools & Equipment
Your GL doesn’t cover your tools. Add an inland marine or equipment floater for real protection.
Related coverage guides
These cheat sheets cover the trades and coverages that overlap most with general contracting.
Ready for a fast GC insurance quote?
Tell us your trade, revenue, and what contracts require — we’ll find the right market fast.