Insurance for Contractors in
Austin, Texas

Coverage for Contractors

Insurance For Skill-Based Workers in Texas

Artisan contractors are the backbone of the construction industry, specializing in unique trades like carpentry, plumbing, and electrical work. In this line of work, you face various risks, from property damage to bodily injury. In locations like Austin, Texas, risks can double due to severe weather such as intense heat.

At American Tri-Star, we offer comprehensive insurance packages that are designed with workers in mind. Our team of experts will work to help you find the best coverage options for you.

Built To Protect

Who needs contractor insurance in Texas?

Contractors and subcontractors should carry commercial insurance to protect against potential liabilities and risks inherent in their work. It provides financial security and ensures that they can continue operating smoothly, even in the face of unexpected events or claims.

Construction workers
HVAC
Electricians
Plumbers
Landscapers
Painters
General Contractors

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Common Types Of Insurance For Contractors in Austin

Workers’ Compensation Insurance

Worker's compensation insurance covers medical expenses and lost wages for employees who are injured or become ill on the job. It's mandatory in most states for contractors with employees, providing crucial protection against potential lawsuits and ensuring that workers are cared for in the event of an accident.

General Liability Insurance

General liability insurance protects contractors against third-party claims for bodily injury, property damage, and personal injury. It covers legal fees, settlements, and medical expenses, offering essential financial protection and peace of mind. This coverage is fundamental for contractors who interact with clients, vendors, or the public.

Auto Insurance for Contractors

Commercial auto insurance covers vehicles used for business purposes, protecting against accidents, theft, and damage. It's essential for contractors who rely on vehicles to transport equipment, tools, or employees. This coverage ensures that contractors can recover quickly from vehicle-related incidents without significant financial loss.

Contractor Bundle

A bundled insurance package combines worker's compensation, general liability, and commercial auto insurance into a comprehensive policy. This option provides convenience and often cost savings compared to purchasing each coverage separately. For contractors, bundling these coverages ensures they have comprehensive protection across all aspects of their business operations.

FAQ

Do I need worker's compensation insurance if I'm self-employed?

Worker's compensation insurance requirements vary by state and the number of employees you have. Even if you're self-employed, it's essential to check your state's regulations to determine if you need this coverage.

What happens if a client claims my work caused damage to their property after the project is completed?

If a client claims that your work caused damage to their property after the project is completed, your general liability insurance should provide coverage. This coverage can help pay for legal fees, settlements, or damages awarded if you are found liable for the damage. It's important to notify your insurance provider as soon as you become aware of the claim and cooperate with their investigation process.

Do I need to update my insurance coverage as my contracting business grows?

Yes, it's essential to regularly review and update your insurance coverage as your contracting business grows. This ensures that you have adequate protection against potential risks and liabilities.