Affordable Contractors

Liability Insurance

In Texas

  • We find the best contractor insurance policies tailored to your business needs.

  • Our experienced agents source competitive insurance quotes with comprehensive coverage.

  • Whether you’re a general contractor, roofer, or electrician, we ensure you get top-notch liability insurance.

  • Don’t waste time comparing options – we’ll handle it for you!

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contractor liability

Coverages

We help contractors find the best coverage on any type of insurance thats needed to get the job done.

General Liability

Protects contractors from third-party claims for bodily injury, property damage, and legal fees.

Workers Comp

Covers medical expenses and lost wages for employees injured on the job.

Commercial Auto

Insurance for business vehicles, covering accidents and damage.

Builders Risk

Covers buildings under construction against fire, vandalism, and theft

Tools and Equipment

Insures tools and equipment from loss or damage on the job site.

Surety Bonds

Guarantees project completion by ensuring contract and legal compliances.

Professional Liability

Protects against claims of negligence, errors, or omissions in the services provided

Inland Marine Insurance

Covers materials and equipment while in transit to job sites or temporarily stored off-site.

Specialized Insurance Solutions for Construction Professionals

Tucker Bonds and Insurance Services delivers comprehensive insurance coverage tailored specifically for the commercial construction industry. With decades of experience, we understand the unique risks contractors face and provide customized insurance solutions to protect your business, workers, and projects.

What is Contractors

Liability Insurance?

Contractors liability insurance protects your business and employees from financial losses due to accidents or damages caused to third parties. If your company is held liable for property damage or injury to a person, you would otherwise be responsible for covering the full cost of the damages.

Avoid financial risks by ensuring your business is protected from unforeseen accidents and liabilities.

Public Liability:

Protects your business from third-party claims, including injury or property damage, safeguarding you from potential lawsuits.

Professional Indemnity:

Ideal for businesses offering advice or professional services, this coverage protects against legal claims related to negligence or errors in your work.

Commercial Property:

Covers damage to your business property, including equipment, inventory, and the physical building itself, ensuring quick recovery from disasters like fires or theft.

Business Interruption:

Provides financial protection if your business is temporarily unable to operate due to a covered event, helping you manage expenses during downtime.

Comprehensive Insurance Solutions

for Every Trade

  • Roofing Insurance

  • General Contractors

  • Cabinet Installers Insurance

  • Carpenter Insurance

  • Electricians Insurance

  • Excavators Insurance

  • Handyman Insurance

Testimonials

Michael Rodriguez

Tucker Bonds has been invaluable to our construction company. Their expertise in both bonding and insurance has saved us countless hours and money. They secured us a comprehensive package that perfectly fits our needs, and their response time is exceptional. Working with them on our last three major projects has been seamless.

Sarah Johnson

As a first-time contractor needing performance bonds, I was overwhelmed until I found Tucker Bonds. They walked me through every step of the process, explained all my options, and got me better rates than I expected. Their team is knowledgeable and professional. They've earned a customer for life!

David Thompson

When we needed to quickly secure a bond for a major government contract, Tucker Bonds came through in record time. Their understanding of construction insurance requirements is outstanding, and they found coverage gaps in our old policy that could have been disastrous. Their attention to detail and industry expertise is unmatched.

Common questions answered

What insurance coverage do construction companies need?

Essential coverages include:

-General Liability Insurance

-Workers' Compensation Insurance

-Builders Risk Insurance

-Commercial Auto Insurance

-Equipment Coverage

-Professional Liability (for design-build contractors)

How much general liability insurance do I need?

Coverage limits typically start at $1 million per occurrence and $2 million aggregate. However, specific requirements depend on:

-Project size and types

-Contract requirement

-State regulations

-Risk exposure

Does builders risk insurance cover theft?

Yes, standard builders risk policies typically cover theft of materials and equipment from the job site, along with damage from fire, wind, and other specified perils.

What exactly is a performance bond?

A performance bond is a type of surety bond that guarantees the completion of a construction project according to contract specifications. It protects the project owner by ensuring they'll be compensated if the contractor fails to complete the work as agreed.

How much does a performance bond cost?

Performance bond premiums typically range from 0.5% to 3% of the contract amount. The exact rate depends on factors including:

-Your company's financial strength

-Years in businessCredit history

-Project size and complexity

-Previous bonding history

How quickly can I get a performance bond?

With proper documentation, we can typically issue performance bonds within 24-48 hours. For larger projects or new clients, the process might take 3-5 business days for full underwriting review.

Are bid bonds refundable?

Bid bond premiums are typically non-refundable. However, the actual bond guarantee expires once the contract is awarded and the performance bond is in place.

What happens if I win the bid but can't get the performance bond?

If you can't secure the required performance bond after winning a bid, your bid bond could be forfeited, and you may be liable for the difference between your bid and the next highest bidder.

How much does a bid bond cost?

Bid bonds typically cost between 1-5% of the bid amount. Many sureties include bid bonds at no additional cost when you commit to getting the performance bond through them.