Texas-based Contractor insurance in San Antonio an Austin, TX as well as surrounding areas.

Contractor insurance has many names, ranging from Construction Insurance to builders insurance. Even with its many names, this type of insurance is not a ‘one-size-fits-all’. At SOGO, we specialize in curating a policy that allows you to easily customize and simplify your insurance coverage to ensure that your contractor’s business’ unique needs are protected.

Whether you’re a General Contractor or Sub, you need insurance that protects you against accidents, lawsuits and claims. A specialty contractor insurance policy is an easy way to cover multiple risks without having to settle for a one-size-fits-all policy that wastes money on coverage you don’t want or need.

A good policy includes general liability that covers you against claims of damage or injury caused on site or to visitors on your own premises. Such costs can be immense and general liability insurance is often mandatory if you want to bid for government contracts.

You should also make sure that you protect your stock, machinery and equipment against damage or loss from fire, theft, flooding and other risks, both on-site and off-site. Just as importantly, you need to have insurance coverage against loss of income if you are unable to carry out work because your equipment is damaged.

Remember also to get workers’ compensation insurance, which is usually mandatory and protects employees against lost income and medical bills resulting from workplace injuries. You might be worried that the costs of a workers’ compensation policy will be high given the inherent risks of construction work, but many insurers will offer discounts if you follow safety programs.

If you need any help choosing the right contractor insurance policy, contact us today.

Who needs Contractors Insurance? 

  • Independent construction contractors

  • Plumbers

  • Carpenters

  • Electricians

  • Painters

  • Repair people

  • Cleaning services

What will my Contractors Insurance Policy consist of? 

There are many types of professions that would need a contractor based insurance policy specially curated to their industry. In the State of Texas, it may not be required, but here at SOGO, we strongly encourage our contractor clients to think about adding a worker’s compensation policy to further protect your business in the event of an injury to one of your employees or sub-contractors.

You policy, depending on your industry and type of work you conduct for your Contractor Business, may also include:

  • General Liability Insurance
  • Bodily Injury Insurance
  • Property Damage Insurance
  • Completed operations/product Insurance
  • Builders Risk Insurance
  • Advertising personal injury Insurance
  • Contract Liability Insurance
  • Commercial Auto Insurance
  • Business Income Insurance
  • Professional Liability Insurance

Let’s discuss your contractor insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate contractor insurance solution. There’s no obligation, just good-old-fashioned advice.
SOGO Insurance offers comprehensive contractor insurance throughout San Antonio and Austin, TX, as well as surrounding areas.