Insurance Needed for Your Construction Business 

Whether you’re dealing with job site accidents or property damage, the right insurance coverage is essential to cover your company, employees and assets. At Blackburn Insurance Agency, Inc., we understand the challenges Texas contractors face and are here to help you navigate your insurance options with confidence.

Key Insurance Coverages for Texas Construction Businesses

While exact coverage needs may vary depending on your company’s unique circumstances, the following types of policies are often essential:

General Liability Insurance

This type of coverage helps insure your business against third-party claims of bodily injury, property damage or personal injury that may occur on the job. Whether it’s a client slipping on-site or accidental damage to a neighboring property, general liability insurance can help cover legal fees and settlements.

Workers’ Compensation Insurance

Texas does not legally require private employers to carry workers’ compensation, but construction businesses often choose this coverage to financially protect their employees and themselves. Workers’ comp can help cover medical expenses and lost wages if an employee is injured on the job, reducing your risk of costly lawsuits.

Commercial Auto Insurance

If your business owns or operates vehicles, whether that’s trucks or trailers, commercial auto insurance is a must. This coverage is required by law and helps financially protect against accidents, property damage and liability claims involving your company vehicles.

Contractors Equipment Insurance

Construction often relies on specialized tools and equipment. Contractors equipment insurance can help cover the cost to repair or replace tools and machinery if they are stolen, damaged or destroyed, keeping your projects on track.

Professional Liability Insurance

Also known as errors and omissions insurance, this coverage is important if your business offers design, consulting or project management services. It helps insure against claims of negligence, mistakes or failure to deliver services as promised.

Why Work With Blackburn Insurance Agency, Inc.?

Our team specializes in helping Texas construction businesses assess their risks and select the right insurance solutions. With our guidance, you can focus on building your business while we help with protecting its finances.

Ready to review your construction insurance options? Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.