Trusted Independent Insurance Agency

Contractors Insurance in Texas

Contract requirements, subcontractors, tools, job sites, and work vehicles all shape a contractor’s insurance needs.

Licensed agent guidanceMultiple carrier optionsService after the sale

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Trades, subcontractor use, and contract requirements

Step 1 of 4

What do you want to quote?

Coverage neededZIP code

Quote details

Desired coverage start dateCurrent insurance companyCurrent coverage limits and deductiblesClaims or losses in the past five years — dates and amounts

Coverage informationGaraging or storage addressAll vehicles / equipment: year, make, model, VIN or hull ID, value, ownership / lenderAll drivers / operators: name, birth date, license number and state, experienceAccidents, tickets, suspensions, or violations — dates and detailsPersonal / business use, annual mileage, and operating radiusRequested liability limits, comprehensive / collision deductibles, and additional coverages

Coverage informationLegal business name and DBABusiness addressDescribe all business operations and servicesYears in business and owner experienceAnnual revenueAnnual payrollNumber of employeesSubcontractor work, annual cost, and insurance requirementsCoverage requested, limits, equipment / property values, and contract requirements

Coverage informationUSDOT and MC numbers, if applicableOwn authority / leased operator / new ventureNumber of vehiclesOperating states and maximum radiusCargo types, maximum cargo value, and hauling percentagesRequired filings and broker / shipper / customer limits

Coverage informationFull property addressProperty type and occupancy: owned / rented / vacant / tenant occupiedYear builtSquare footageConstruction type and number of storiesRoof type, age, and replacement yearPlumbing, electrical, HVAC updates and datesDwelling replacement value, belongings value, liability limit, and deductiblesPools, pets, outbuildings, security, prior damage, and other property details

Coverage informationDate of birthPolicy type and term lengthDesired coverage amountTobacco / nicotine use and last useHealth conditions, medications, height and weightExisting life coverageBeneficiary relationship and purpose of coverage

Coverage informationEveryone needing coverage: names, birth dates, relationship, ZIP, and tobacco useIndividual / family / Marketplace / Medicare / employer planEstimated annual household income and tax household sizeDesired start date, qualifying life event and date, or Medicare eligibilityDoctors, hospitals, dentists, and providers you want to keepPrescriptions, dosages, and frequencyCurrent coverage and employer coverage availability

Coverage informationEach pet: name, species, breed, birth date, sex, and ZIPPre-existing conditions, medications, and veterinary historyRequested annual limit, reimbursement percentage, deductible, and wellness coverage

Coverage informationUnderlying home / renters / auto / boat policies, carriers, limits, and renewal datesHousehold members, drivers, vehicles, properties, rentals, pools, and other exposuresRequested umbrella limit

Coverage informationRecords held, business systems, online revenue, and prior cyber incidentsMFA, backups, encryption, employee training, and security controls

Coverage informationProfessional services, qualifications, client types, and largest contractsPrior professional liability coverage and retroactive date

Anything else HIA should know?

Coverage where you live and work

Texas Insurance Requirements and Coverage Guidance

Reviewed October 11, 2026. Select coverage for your product and location; state rules and individual requirements are different.

Texas Coverage Requirements and Choices

Workers Compensation in Texas

Most private employers can choose whether to carry workers compensation. Public-project and other exceptions, non-subscriber duties, and customer contracts need a separate review.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Texas employer coverage guidance

Requirements can change. A licensed agent reviews the applicable policy, vehicle or business classification, contracts and official requirements before binding.

Business Insurance Coverage Built Around You

Compare coverage for your operations, employees, property, contracts, and vehicles through one independent agency.

General liability and contracts

Review job-site liability, requested limits, additional insured requirements, and exclusions for the trades you perform.

Tools and equipment

Discuss owned and rented equipment, tools in transit, theft exposures, and any installation or project coverage needs.

Employees and work vehicles

Review payroll, subcontractors, workers compensation options, commercial auto, and trailers together.

Why Choose Hancy’s Insurance Agency?

HIA helps individuals, families, and businesses compare available insurance options through one independent agency. A licensed agent explains limits, deductibles, exclusions, and next steps before you choose.

Compare available carrier and partner-market options
Get guidance based on your actual coverage needs
Review policy terms and payment options
Receive help with renewals, policy changes, and claims direction

Final rates and eligibility depend on carrier underwriting. Coverage is not bound until confirmed.

Compare Business Insurance by State

Explore insurance resources across HIA’s nine licensed states. Availability varies by product, location, and eligibility.

Why Clients Trust HIA

Independent guidance

Review coverage through available carriers and partner markets with one agency.

Coverage explained

Understand limits, deductibles, exclusions, and underwriting before making a decision.

Service after the sale

Request policy changes, renewal reviews, documents, and claims guidance.

Possible Market Options

Carrier availability depends on your state, coverage needs, underwriting, and HIA’s active market access. Ask your agent which options are available for your request.