Texas Contractor Insurance
Texas contractor insurance from a veteran-owned Florida agency licensed in Texas.
- Veteran-Owned
- 100+ Yrs Experience
- Fast Certificates
- Real Agents
- Florida Experts
- Veteran-OwnedIndependent agency
- 100+ Years CombinedCommercial expertise
- Florida-ResidentDeLand, FL office
- 24-Hour COIsMost certificates same business day
Trusted Carrier Partners
Why First Commercial
Why Florida Businesses Choose Us
We focus on the commercial insurance lines that need real expertise — and we treat every client like a long-term partner, not a policy number.
Bundled Contractor Package
GL, workers comp, commercial auto, inland marine — written together.
Venue & GC Certificates
Additional insured, waiver of subrogation, primary/non-contributory wording.
Florida-Resident Agency
We know the carriers, the inspectors, and the local job-site dynamics.
Real People Answer
Same-day phone access during business hours. No phone trees.
Who we cover in Texas
Construction contractors across trades — general contractors, electrical, plumbing, HVAC, roofing, concrete, landscaping, painting, and handyman operations.
What Texas requires
- Regulator: Texas Department of Licensing and Regulation (varies by trade)
- Workers compensation threshold: no minimum or more employees for construction; no minimum or more for non-construction.
Texas climate and risk considerations
Workers compensation in Texas is elective for most private employers, but most contractors carry it for contract reasons. Hailstorm exposure significantly impacts property rates. TDLR registers amusement rides annually.
- Hailstorms (Tornado Alley)
- Tornadoes
- Extreme heat
- Drought
Common Texas venue requirements
Most Texas venues require a certificate of insurance with at least $1M per occurrence and $2M aggregate, plus the venue named as additional insured. Common Texas markets we issue certificates for:
- Houston corporate, school, and county venues
- Dallas-Fort Worth corporate, school, and county venues
- Austin corporate, school, and county venues
- San Antonio corporate, school, and county venues
- El Paso corporate, school, and county venues
What affects cost in Texas
Texas requires workers compensation for construction at 0 or more employees and for non-construction at 0 or more. Premium depends on revenue, payroll, project mix, claims history, and tool inventory. Workers compensation in Texas is elective for most private employers, but most contractors carry it for contract reasons. Hailstorm exposure significantly impacts property rates. TDLR registers amusement rides annually.