If you’re a general contractor in San Antonio, TX, or surrounding areas like Alamo Heights, Stone Oak, Helotes, and New Braunfels, you’re responsible for more than managing projects; you’re exposed to lawsuits, job site accidents, subcontractor risks, and strict contract requirements.
At SOGO Insurance, we help San Antonio general contractors secure the right coverage to protect their business, meet contract requirements, and stay compliant with Texas expectations. As part of our broader business insurance solutions in San Antonio, we specialize in construction-related risk.
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Our policies are designed for:
We also work closely with specialty trades, including:
Whether you’re building homes in growing suburbs or managing large commercial projects, your risk profile is unique, and your insurance should reflect that.
Covers employee injuries, medical expenses, and lost wages. While not always legally required in Texas, many clients expect it.
Protects materials, structures, and projects under construction from fire, theft, vandalism, and weather damage.
Covers vehicles used for transporting tools, materials, and crews.
Covers third-party injuries, property damage, and legal costs. Often required before starting a job.
Provides additional liability protection beyond standard policy limits—especially important for larger contracts.
As a general contractor, you can be held responsible for:
Even a single claim can cost hundreds or thousands of dollars.
If you manage subcontractors like electricians, plumbers, or roofers, your exposure increases significantly, especially if their coverage is insufficient or improperly structured.
Many general contractors assume subcontractors’ insurance will fully protect them, but that’s not always the case.
If a subcontractor:
You could still be held liable.
We help San Antonio contractors:
Your premium depends on several factors, including:
Typical Cost Ranges:
Many contractors pay monthly premiums ranging from $100 to $1,250+, depending on coverage needs.
We compare multiple carriers to find the best value for your business.
General contractor insurance provides broader protection, covering overall project liability, subcontractor oversight, and contractual risk.
Subcontractor insurance—such as policies designed for electricians, plumbers, HVAC, painters, or roofers—typically covers only the specific trade work being performed.
If you’re managing projects, hiring subcontractors, or signing contracts, you need general contractor coverage. Protect your business, win more contracts, and operate with confidence.
Get a same-day general contractor insurance quote in San Antonio.
