Insurance for Commercial Construction Industries in Texas

Commercial General Liability Insurance

Commercial general liability covers losses, damage, and injuries from possible situations that can financially burden you. In the construction business, it’s almost impossible to avoid unfortunate circumstances that you can be sued for. However, with commercial general liability insurance, you won’t have to worry about paying for legal and medical fees out of your own pocket.

If you’re found liable to the claims, our commercial general liability insurance can cover some (or all) of the damage or losses caused by:

• Bodily injuries and deaths
• Advertising and personal injury (e.g. infringement, libel, slander, etc.)
• Damage to other people’s property

Worker’s Compensation Insurance

Protect your workers from health and safety hazards that come with working in the construction industry with workers compensation insurance. This type of insurance ensures your employees that they will receive aid in case they encounter an unfortunate incident, as well as provide the essential legal benefits like:

• Medical benefits – Covers the treatment of work-related injury or disease.
• Income benefits – Covers a portion of an employee’s lost earnings.
• Death benefits – Provides the family of an employee killed on the job with a portion of the employee’s lost wages.
• Burial benefits – Covers a portion of funeral expenses.
• Vocational rehabilitation benefits – Pays for an injured employee’s rehabilitation and/or training for a new job or occupation.

Commercial Property Insurance

Even though your business caters to other properties, you shouldn’t forget to protect your own. Your construction company is as important as the structures you build, so consider getting commercial property insurance. This insurance is great to have, especially when your property encounters a natural or unforeseen disaster. Commercial property insurance is designed to cover losses and damages of the following:

• Building or structure
• Furniture and fixtures
• Equipment and inventory of goods
• Landscaping
• Other people's properties

Commercial Auto Insurance

Even if your drivers are exceptionally skilled, you can’t say the same about all the other drivers on the road. It is possible that your drivers will encounter an accident that can damage or total your company vehicles. In this case, commercial auto insurance spares you from paying for costly vehicle repairs and damage because this insurance covers:

• Vehicle damage resulting from collision
• Liabilities resulting from bodily injury or death as well as damage to another person’s property
• Personal injury/medical payments of the insured
• Injury or property damage caused by uninsured or hit-and-run motorist

Commercial auto insurance also covers damage by non-collision events like:

• Theft
• Vandalism
• Fire and flood

Equipment and Tools Insurance

You shouldn't have to worry about the conditions of your equipment when you have equipment and tools insurance. This insurance policy covers the cost of repairs or replacement if ever your equipment malfunctions or breaks. You can even protect expensive equipment, whether they are owned or hired.