Insurance for Non-Residential Contractors in TX

Commercial General Liability

If your business is sued for the following during business operations, commercial general liability will protect your non-residential contracting company from possible financial burdens:

• Damage to other people’s property
• Bodily injuries and deaths
• Advertising and personal injury

Depending on your policy limit or type of coverage you chose, this insurance can also cover the costs of your medical and legal fees should you be liable to the claims.

Workers’ Compensation

Even though private businesses in Texas aren’t required to have workers’ compensation, it’s better to give your laborers proper benefits. With workers’ compensation, your workers’ health, safety, and family are secured if ever something goes wrong during work hours. This insurance offers the following benefits:

• Death benefits
• Burial benefits
• Income benefits
• Health benefits
• Vocational rehabilitation benefits

Commercial Property

Even though your business takes care of other properties, you shouldn’t forget about the security of your own office. Natural disasters, accidents, and theft could occur in your building, and the cost of restoring the damage could be expensive. However, with commercial property insurance, the coverage of the following damage or losses will be covered should an unfavorable situation arise:

• Furniture and fixtures
• Inventory of goods and equipment
• Other people’s properties
• Building or structure
• Landscaping

Equipment & Tools

Working in the construction industry is expensive, especially if you’re using specialized equipment in your line of work. If any of your tools needs replacement or repairs, it can get costly to have them serviced. However, with equipment & tools insurance, you won’t have to worry about the costs. This policy covers repair and replacement of the equipment that gets damaged or lost due to accidents, theft, and similar events.

Commercial Auto

Commercial auto insurance protects your commercial vehicles from unexpected disasters and liabilities. Even though your company drivers are experts behind the wheel, other motorists might not be. This insurance covers the cost of the following situations:

• Damage to vehicles (from a collision)
• Theft, vandalism, fire and water damage, and other non-collision damage
• Medical payments of the insured or personal injury
• Property damage or injury caused by hit-and-run motorists or by the uninsured