Contractor Liability Insurance That Keeps You Job-Ready

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What Insurance Do Contractors Need in Texas?

If you're a contractor, every job comes with risks—property damage, injuries, and contract requirements that can impact whether you get or keep work. Many contractors aren't sure which policies they actually need or how they fit together, especially when requirements change from one job to the next. Contractor liability insurance is often the starting point, helping protect against claims tied to your work. Tully Insurance Agency helps contractors across Sulphur Springs and nearby areas like Greenville, McKinney, and Princeton build coverage that matches real jobsite conditions.

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Secure your family's future, secure your peace of mind.


Coverage That Helps You Stay Protected and Win Work

Contractors don't just need protection—they need to be ready to show it. With Tully Insurance Agency, you can compare options across multiple carriers and structure coverage that supports both risk protection and contract requirements. Whether you're bidding jobs or managing ongoing work, having the right policies in place helps you move forward with confidence.

Jobsite Risks Contractors Face Every Day

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Property Damage on Site

Accidental damage to a client's property can lead to costly claims.

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Injuries to Third Parties

Jobsite accidents involving non-employees can quickly escalate into liability issues.

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Contract and Vendor Requirements

Many projects require proof of insurance before work begins.

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Equipment and Vehicle Exposure

Tools, vehicles, and materials add layers of risk that need to be accounted for.

The Core Coverages Contractors Commonly Combine

Contractors rarely rely on just one policy. Most build a combination of coverages to match how they operate:

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Helps protect against property damage and injury claims tied to your work.

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Covers vehicles used for transporting tools, materials, and crews between jobs.

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Supports employee injury claims and may be required for certain contracts or job sites.

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For established contractors with a physical location or significant property assets, a business owner package can simplify coverage by bundling liability and property into one plan.

Contractors and Trades We Commonly Support

  • Plumbers and HVAC technicians working in residential and commercial settings
  • Dirt work and excavation contractors managing heavy equipment
  • Welders and fabrication shops handling specialized materials
  • General contractors coordinating multiple jobsite activities
  • Service-based trades working across multiple locations

Many of these businesses also benefit from broader planning through commercial insurance to keep coverage aligned across all operations.

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Certificates of Insurance (COIs) and Job Requirements

One of the most common needs for contractors is providing proof of insurance quickly. Certificates of Insurance (COIs) are often required before work begins or when contracts are updated. Having coverage in place and a local agency you can reach makes it easier to respond when clients request documentation—often the same day. This helps you stay competitive and avoid delays.

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  • Not having general liability coverage when a client requires it

  • Relying on personal auto policies for business vehicle use

  • Delays in providing COIs when requested

  • Gaps between policies that leave certain risks uncovered

Common Mistakes That Can Cost Contractors Work

Quick Guidance for Choosing Contractor Insurance

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If You Work on Job Sites Regularly

General liability is often a foundational requirement.

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If You Use Vehicles for Work

Commercial auto helps ensure your vehicles are properly covered.

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If You Have Employees

Workers' compensation may be needed depending on contracts and operations.

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If You're Bidding Larger Jobs

Having complete coverage in place—including a business owner package for established operations—helps you meet requirements quickly.

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Ready to Get Your Coverage Set Up the Right Way?

Many contractors reach a point where they want coverage that actually reflects how they work—and a team they can call when something changes.
The next step is reviewing your operations and building a plan that fits your business.

Get Contractor Insurance Now

What to Expect When You Get Started

Working with Tully Insurance Agency begins with a conversation about your trade, job types, and operations. From there, coverage options are compared across multiple carriers so you can see what fits your needs. When clients request a Certificate of Insurance, having an active policy in place means your local team can turn that around quickly—keeping jobs on track and your reputation intact. As your business grows, your coverage can be updated to stay aligned.

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Common Questions About Contractors Insurance

  • What insurance do contractors typically need?

    Most contractors carry general liability and often add commercial auto and workers' compensation depending on their operations and contracts.

  • Do contractors need general liability insurance in Texas?

    No, policies are not standardized, so coverage can vary significantly between insurers and forms.

  • Is workers' comp required in Texas for contractors?

    Commercial auto coverage is usually separate, but many businesses combine it with a BOP.

  • Can you help with commercial auto for contractor vehicles?

    This is another question for which there’s no blanket answer. Both types of insurance have their merits. Our view is that for many people term is often the best solution because it allows you to get the most coverage for your money. When buying life insurance, the most important thing you want to do is buy enough coverage. When you die, your family won’t care if you had term or permanent insurance. They’ll only want to know…is there enough. 

  • How do I get a contractor insurance quote?

    Provide details about your trade, job types, vehicles, and employees so options can be compared.

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Get Coverage That Keeps You Ready for the Next Job

When your insurance is set up correctly, you can focus on your work instead of worrying about what might happen. Tully Insurance Agency helps contractors across Northeast Texas build coverage that supports both protection and opportunity.