Contractors Liability Insurance

Online Contractors Insurance for Port Arthur, Nederland, Port Neches, Groves, Bridge City, Beaumont Texas

  • General Liability, Business Owners Policy (BOP)
  • Call (409) 729-2000 for additional quotes or fill out the short form below
  • Online quotes through Hiscox Business Insurance

Contractors General Liability Insurance the easy way

With TWFG Insurance Services - Terry Cauthen, you can get a policy with general liability insurance, workers' compensation insurance, and commercial auto insurance – all in one place.

Who needs contractors insurance?

General contractors, contractors, and subcontractors are commonly required to carry contractors insurance by the various laws and businesses they work for. Business types needing insurance protection include:

  • Air Conditioning Insurance
  • Carpet Cleaning Insurance
  • Concrete Construction Insurance
  • Construction Insurance
  • Carpenter Insurance
  • Plumber Insurance
  • Dry Wall Installation Insurance
  • Janitorial Insurance
  • Electrician Insurance
  • Heating and Air Conditioning
  • Landscaping Insurance
  • Masonry Insurance
  • Painter Insurance
  • Paper Hanger Insurance
  • Plaster or Stucco Insurance
  • Handyman Insurance
  • Pressure Washer Insurance
  • Tile/Stone Insurance

Minimum Premium as low as $350

Rates based on gross receipts, payroll, coverage limits, & type of work done.

Contractors tools & Equipment Coverage

For an additional premium, a floater policy that covers contractors tools and small equipment coverage is available.

Business Owners Insurance

General Liability can also be offered as part of Business Owners Insurance that also gives you property coverage.

Commercial Auto

We insure a wide variety of commercial vehicles and trailers commonly used by contractors.

Fill out this short informational form, and speak with one of our experts (409) 729-2000 and receive your competitive quote.

What is the difference between liability insurance and commercial insurance?

Liability insurance and commercial insurance are essentially the same thing. People use these terms interchangeably, and they are referring to the same basic product.

What is Liability Insurance?

Liability insurance also known as Commercial insurance protects you in the event you are sued for claims that come within the coverage of your liability insurance policy. If you are a small business owner, there are many reasons why you should learn more about what commercial insurance means to you.

Why do I need small business insurance?

Owning a business puts you at considerable risk – from third party claims, property damage, or even employee theft. Without liability insurance, these monetary pitfalls fall on your shoulders, placing a burden on your business and personal assets. Some industries require business owners to have certain types of business insurance before they can attain licenses or begin client work. Make sure you follow legal guidelines for your state regarding your small business insurance policies.

What are some ways to keep insurance costs down?

Evaluating sources of potential losses, and the risk associated with each, can help you determine if you can get rid of the risk entirely, or make sure your insurance policy covers this type of potential claim. Performing risk management for your small business can be a great way to understand exactly the type of coverage your small business needs, and which insurance policy can best suit your needs and budget.

What is a “claims made and reported” liability insurance policy?

Your liability insurance policy only provides protection only as long as your policy coverage is under affect. This means that only the claims made and reported in the liability insurance policy period will be covered. When you cancel your policy you may not have protection in place, even if a claim later arises from work completed during a period in which you had insurance. So it’s wise to keep coverage in place even after you have completed a project. However, if you must cancel your liability insurance coverage, you can opt to purchase an extended reporting period.

How much does a liability insurance policy cost?

Liability insurance premiums vary a lot depending on several factors, including the size of your business, your occupation, the types of activities you conduct, and the level of protection you choose.


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