Protect Your Contracting Business with Customized Coverage
At Galloway Insurance, we know that contractors face unique risks every day on the job site. From property damage to workplace injuries, having the right insurance protection can mean the difference between staying in business or facing significant financial losses.
We proudly serve contractors across Marble Falls, Burnet, Horseshoe Bay, and throughout Central Texas, offering tailored contractors insurance solutions to protect your work, your employees, and your reputation.
What Does Contractors Insurance Cover?
Contractors insurance packages typically include:
- General Liability Insurance – Covers bodily injury or property damage claims resulting from your work activities.
- Workers’ Compensation Insurance – Covers medical expenses and lost wages for employees injured on the job (required in many cases).
- Commercial Auto Insurance – Protects vehicles used for business purposes, including trucks, vans, and trailers.
- Tools and Equipment Coverage – Covers tools, machinery, and equipment against theft, loss, or damage.
- Builders Risk Insurance – Covers construction projects during the building phase, protecting materials, supplies, and partially completed structures.
- Professional Liability (Errors & Omissions) – Protects against claims of faulty work, errors in design, or missed deadlines.
We work with you to bundle coverages based on the specific needs of your trade and job size.
Who Needs Contractors Insurance?
Any business or individual performing contracting work in Texas can benefit from coverage, including:
- General contractors
- Electricians
- Plumbers
- HVAC technicians
- Painters
- Landscapers
- Roofing contractors
- Handymen and home remodelers
Even if you’re a sole proprietor, protecting yourself with contractors insurance is critical to protect against lawsuits, accidents, or property loss.
What Determines the Cost of Contractors Insurance?
Several factors influence your contractors insurance premium, such as:
- Type of work performed (e.g., roofing, plumbing, carpentry)
- Annual revenue and payroll
- Number of employees
- Claims history
- Equipment value
- Geographic location and job site hazards
At Galloway Insurance, we help you find affordable policies tailored to your needs without compromising protection.
Our Promise: Insight, Expertise and Relationsip
At Galloway Insurance, we believe in more than just selling policies —we’re here to build lasting partnerships with Texas business owners.
- Insight—We understand your needs.
- Expertise—We understand Insurance.
- Relationship—You will love doing business with us, we care.
- Here to Help—When you call, we answer… When you come by, we’re here.
- Community—We make significant investments in our community because of your choice to do business with us.
Frequently Asked Questions (FAQs)
Is contractors insurance required in Texas?
General liability insurance isn’t required by law in Texas, but it is often mandated by project owners, clients, and licensing bodies.
Does contractors insurance cover subcontractors?
Typically, subcontractors must carry their own insurance. However, some policies allow you to add subcontractors with proper documentation.
What happens if I don’t have contractors insurance?
Without insurance, you may be held personally responsible for property damage, injuries, or legal claims that arise from your work.
Can I bundle contractors insurance policies?
Yes! Bundling coverages like general liability, commercial auto, and tools coverage can help save money and ensure broader protection.
Do I need builders risk insurance for small projects?
Even small renovations or repairs can benefit from builders risk insurance, particularly if materials or structures are at risk during construction.