We write many specialty contractor and operator classes beyond this list.
We review insurance requirements and indemnity language before we quote.
Send the holder name and project details and we will turn it around.
Independent advice for contractors and operators across Texas.
The building blocks of a commercial program, and where each one matters most.
Covers bodily injury and property damage claims from your operations and completed work. For contractors, the details matter most: per-project aggregates, completed operations, and exclusions for underground, EIFS, residential or professional work.
Most relevant for: Every industry we serveLiability and physical damage for owned trucks, specialty units and trailers, plus hired and non-owned vehicles. We help fleets use telematics, cameras and driver standards to earn better pricing.
Most relevant for: Haulers, paving, utilities, service fleetsMedical and wage benefits for injured employees, and employer's liability. Texas allows non-subscription for many private employers, but public contracts and most general contractors require coverage.
Most relevant for: Field crews and staffAdditional limits above general liability, auto and employer's liability. Contracts with TxDOT, municipalities and national clients frequently require $5 million or more.
Most relevant for: Contractors, haulers, senior livingCovers cleanup and third-party claims from spills, frac-outs, sewage overflows, mold and other pollution conditions caused by your work, which general liability usually excludes.
Most relevant for: Underground, water, EIFS, wasteCovers claims that your advice, design, inspection or operational decisions caused a loss. Includes contractors professional, inspection E&O, and operator professional liability.
Most relevant for: Fire inspection, O&M, traffic control designCovers owned, leased and rented equipment wherever it is, from pavers and drill rigs to splicing trailers and message boards, including theft from unattended jobsites.
Most relevant for: Heavy civil and utility contractorsCovers the project or the equipment and materials you are installing until the owner accepts the work.
Most relevant for: Bridge, treatment plant, lift stationBuildings, contents, business income and equipment breakdown, written with Texas wind and hail deductibles in mind.
Most relevant for: Medical, senior living, LRO, MRFsBid, performance, payment, maintenance and license bonds. We help build bonding capacity alongside your insurance program.
Most relevant for: Public works contractors and operatorsBreach response, ransomware, regulatory defense and liability for exposed data, including SCADA and control system incidents for utility operators.
Most relevant for: Medical, senior living, water operatorsCovers claims of wrongful termination, discrimination, harassment and wage disputes brought by employees or applicants.
Most relevant for: Facilities services, senior living, medicalDefense and indemnity for abuse allegations, which standard liability policies often exclude or sublimit.
Most relevant for: Senior living, medicalProtects against employee theft, including theft from client premises when third-party coverage is included.
Most relevant for: Facilities and janitorial services