General Contractor Insurance in Austin, Texas
You can save up to 25% in discounts on business insurance.*
General contractor insurance in Texas tailored for your business
NEXT customizes insurance for small businesses, including general contractor business. We help business owners get covered in about 10 minutes online. And you’ll have 24/7 access to services. Insurance packages can be customized to include:
- General liability
- Professional liability
- Workers’ compensation
- Tools & equipment
- Commercial property
You can save up to 25% on general contractor insurance in Austin, Texas
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We specialize in providing the right type of general contractor insurance for small businesses in Austin
NEXT is made for entrepreneurs, hustlers and general contractor business owners in Austin who like to stay covered and save money.
General Liability
Protection for the injuries, accidents and damage you cause
General liability insurance covers a wide range of general contractor business accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by clients and licensing agencies.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Contractors' E&O
Coverage against business mistakes and claims of negligence
Errors and omissions insurance (also known as professional liability) helps you to defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of project cost overruns, it could help cover related expenses to defend yourself.
professional liability can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Workers' Compensation
For business owners who hire employees
Workers’ compensation insurance helps to make sure workers are taken care of if they’re hurt on the job, while also protecting general contractor business owners from significant financial losses after an accident. It’s legally required in most states for businesses with employees.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Tools & Equipment
Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs. Tools and equipment insurance is available as an add-on to our general liability insurance.
inland marine can help you pay for:
Equipment Owned By You
Employee Tools and Clothing
Borrowed Equipment
Commercial Property
For business owners who own or rent physical spaces
Commercial property coverage helps protect almost all of the physical items you need to run your general contractor business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
How much does General contractor insurance in Texas cost?
General contractor insurance costs vary based on the risks that your business faces, such as:
- Where you work
- The kind of work you do
- Your payroll and the kinds of jobs your employees do
- The number and types of vehicles you use at work
General contractor business in Texas typically pays about $23 each month for a business insurance policy.†
You can save up to 25% in discounts on business insurance, depending on the kind of work you do. More risky professions can expect to pay more.
What does a General contractor need insurance for in Texas?
With business insurance from NEXT, you’ll have the protection you need to get your general contractor business to the next level. Insurance can help you in many ways:
- General liability coverage helps pay for damage to property that doesn’t belong to you.
- Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
- Workers’ compensation insurance can help cover medical bills and lost wages after a work-related injury. Workers’ comp coverage is usually required by law if you have employees.
- Commercial auto coverage will help pay for collision and other driving-related damage.
- Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event.
Frequently asked questions about general contractor business insurance
Here are some of the most common questions we get about general contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Does NEXT Insurance offer general contractor business insurance in Austin, TX?
Yes, NEXT Insurance offers tailored general contractor business insurance in Austin.
Does NEXT Insurance offer Professional Liability coverage for general contractor business in Austin?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Tools & Equipment, Commercial Property coverage for general contractor business in Austin, TX.
How does business insurance protect general contractors?
Our contractor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:
Damage to someone’s property
Your ladder slips and crashes through a living room window. The general liability coverage in your insurance package could help pay for a replacement.**Accidents that hurt someone
A distracted homeowner trips over your extension cord, breaks their ankle and sues you. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.Workplace injuries
Your employee has to get medical care and cancel some jobs after they slip and cut their finger with a drill. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.Injuries and damage involving your business vehicles
You get into a fender bender with your work truck that was ruled your fault. Commercial auto coverage can help pay for the repairs and some of the rental costs, depending on the policy limits. This coverage is also usually required by law for business-owned vehicles.Theft or damage to your tools
Motor failure puts your compressor out of commission. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.Damage to your own property
A water pipe bursts in your office and floods the entire space. Property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as fire, tornado or vandalism.How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work.
You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How do you file an insurance claim with NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Get customized insurance wherever you do business
Learn more about insurance options in the states where you work.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
Appliance Technician, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plumber, Roofing, Siding Installation Contractor, Solar Contractor, Snow Plowing, Welding, Tile, Stone and Flooring Installer, Paperhanger, Fence Installation Contractor, Lawn Care, Landscaping
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Number of businesses insured in Texas