General Liability
Covers third-party bodily injury or property damage caused by your work — the base layer most clients ask about first.
Scenario: a tech nicks a customer's water line, flooding their kitchen
You're covered on the job site. Make sure you're covered off it too.
Plumbers, HVAC techs, electricians, mechanics, and other field crews face risk the moment a truck leaves the shop. We build coverage around the parts of the job that actually go wrong.
Coverage lines
What we typically put in place for contractors
Every operation is different — this is the starting checklist, not the finished policy.
Commercial Auto
Covers work trucks and vans on the road between job sites — required in most cases once a vehicle is used for business.
Scenario: a service van is rear-ended on the way to a call
Workers' Compensation
Covers medical costs and lost wages if an employee is injured on the job — and in Texas, worth understanding even though it's optional.
Scenario: a crew member strains their back lifting equipment
Tools & Equipment (Inland Marine)
Covers tools and equipment that travel with you — not always included under a standard property policy.
Scenario: tools are stolen from a locked van overnight
Contractor's License Bonds
Required by some municipalities and clients before work can begin — we help you get the right bond in place.
Scenario: a permit or contract requires proof of bonding
Umbrella Coverage
Extra liability limits above your GL and auto policies, for larger jobs or contracts that require higher coverage minimums.
Scenario: a commercial client's contract requires $2M+ in liability limits
Next step
Not sure what you're missing?
Send over your current policy or just tell us how your operation runs — we'll flag the gaps in about 15 minutes.
Get a coverage checkup