Construction Insurance Dallas, TX
If you’re running a construction business in Dallas, TX, you don’t just need a policy - you need construction insurance that meets real contract requirements and keeps your jobs moving.
That’s what we do best. You tell us what you build, who you work for, and what your contract requires. We’ll shop the market, explain your options in plain English, and help you put the right protection in place - without wasting your time.
What Is Construction Insurance?
Construction insurance isn’t one single policy - it’s a bundle of coverages built around the real risks that come with job sites, crews, tools, vehicles, and contract requirements.
Depending on what you do, construction insurance may include general liability, builders risk, commercial auto, tools & equipment coverage, workers’ comp options, umbrella, and sometimes contractors E&O.
The goal is simple: help make sure one accident, claim, or contract requirement doesn’t throw your project or your business - off track.
Need a COI fast for a job in Dallas?
If you can send us the job name and the certificate holder details, we’ll help you get the paperwork handled quickly - and make sure the coverage actually matches what your contract is asking for.
What Construction Insurance Usually Includes
Construction work has a lot of moving parts - crews on site, materials in transit, tools that disappear, vehicles on the road, and contracts with strict insurance requirements. The right coverage is usually a package built around your trade, your job types, and how you operate.
Here are the coverages Dallas construction companies most commonly need, and what they’re for:
✓ General Liability Insurance
This is the foundation for many contractors and GCs. It can help when someone claims your work caused bodily injury or property damage - whether that’s a customer slipping at a job site, or accidental damage during a project.
✓ Builders Risk Insurance (Course of Construction)
If you’re building or remodeling, builders risk can help protect the structure while it’s under construction and (depending on the policy) certain materials on site. This is often required by lenders, owners, or higher-end residential and commercial contracts.
✓ Workers’ Compensation Options
Even when a policy isn’t required in every situation, your contract may still require it - especially when you’re working with a GC, property manager, or on projects with stricter compliance. We’ll help you understand what’s typical for your trade and what your contract is actually asking for.
✓ Commercial Auto Insurance
If you or your team uses vehicles for work - trucks, vans, or fleets - commercial auto is a big one. It’s often required on contracts and it matters even more when employees are driving, tools are in the vehicle, or the truck is tied to the business.
✓ Tools & Equipment Coverage (Inland Marine)
This is one of the most overlooked coverages in construction. It can help protect your tools and equipment - including gear that travels between job sites - where a normal property policy may not fully protect you.
✓ Umbrella Insurance
Umbrella coverage adds an extra layer of limits over underlying policies (like general liability and auto). It’s common when you’re taking on bigger jobs, working with larger commercial clients, or signing contracts that require higher limits.
✓ Contractors E&O (Professional Liability)
If you do design-build, provide advice, handle plans/specs, or take on responsibilities beyond purely “hands-on” construction, E&O can help with claims that allege a professional error - like a mistake in plans, oversight, or project management decisions.
Builders Risk vs. General Liability (What’s the Difference?)
This one confuses a lot of construction business owners because both are important, and they protect completely different things.
General Liability Insurance helps when someone claims your business caused bodily injury or property damage. Think: a visitor trips at the job site, or you accidentally damage a client’s property during work.
Builders Risk Insurance (course of construction) is designed to help protect the project while it’s being built. Depending on how the policy is written, it can help cover things like damage to the structure and certain materials on-site during the build.
Simple way to remember it:
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General Liability = people and property damage claims
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Builders Risk = the building/project during construction
If you’re not sure which one your contract is asking for, send it over - we’ll help you sort it out quickly and make sure you’re not buying the wrong thing (or missing what the GC is actually requiring).
Need a COI for a Job in Dallas?
A lot of construction insurance gets purchased for one simple reason: your client, GC, or property manager won’t let you start the job until you can show proof of coverage. That proof is usually a COI (Certificate of Insurance) - and it often needs specific wording to match the contract.
Here’s what we see most often on Dallas-area jobs, and what it actually means:
Common COI / contract requirements
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Additional Insured – Your client (or GC) wants to be added to your liability policy for that job.
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Primary & Non-Contributory – They want your policy to respond first, before theirs.
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Waiver of Subrogation – Your insurer agrees not to try to recover costs from the other party after a claim (when required and endorsed).
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Completed Operations – Coverage that applies after the work is finished, in case a problem shows up later.
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Specific limits – Many contracts call for certain minimum limits (and sometimes an umbrella on top).
Here’s the part that saves you headaches:
A COI isn’t just a form you “fill in.” If a contract requires endorsements (like Additional Insured or Waiver of Subrogation), the policy usually has to be set up correctly behind the scenes with the right policy endorsements.
So instead of guessing, do this:
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Send us the insurance requirements section of your contract (or a screenshot).
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Tell us the job location and what you do on the project.
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We’ll help you line up the right coverage and issue the COI the way it’s supposed to be done.
Need it quickly?
If you’re up against a start date, call us. We’ll move fast - and we’ll be honest with you about what’s possible, what needs an endorsement, and how to keep you compliant on future jobs too.
How Much Does Construction Insurance Cost in Dallas, TX?
Most construction business owners want a straight answer here - and the honest truth is: construction insurance pricing can vary a lot because it’s based on your trade, your payroll, your vehicles, and what your contracts require.
That said, you can get a good “ballpark feel” by thinking in terms of what drives cost up or down, and which policies you actually need for the jobs you’re taking.
What affects the cost the most?
These are the biggest pricing factors we see for Dallas construction companies:
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Type of work / trade (GC vs remodeler vs higher-risk trades like roofing)
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Residential vs commercial projects
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Annual revenue and typical project size
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Payroll (including whether you use employees vs 1099 subcontractors)
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Workers’ comp requirements (contract-driven in many cases)
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Vehicles and drivers (how many, what they’re used for, driving history)
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Claims history
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Required limits and endorsements (higher limits + umbrella usually increases premium)
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Jobsite exposure (heights, hot work, demo, work on occupied homes, etc.)
A simple way to think about “cheap vs expensive”
Construction insurance tends to cost less when:
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You do lower-risk work (light remodel, handyman, interior trades)
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You have a clean claims history
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You don’t have heavy commercial contracts requiring high limits
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You have fewer vehicles and a strong driving record
It tends to cost more when:
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You do higher-risk work (roofing, structural, large commercial)
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You have higher payroll or a lot of jobsite labor exposure
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Your contracts require higher limits, umbrella, and specific endorsements
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You have multiple vehicles, younger drivers, or prior auto claims
“What should I budget?”
If you want a realistic budget estimate, the quickest way is for us to look at three things:
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Your trade + job types
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Your payroll/subcontractor setup
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Your contract requirements (limits + endorsements)
Once we have that, we can usually give you a clear range and show you what changes the price - so you can make smart tradeoffs without getting caught short on a job.
If you’d like, send us:
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Your trade
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Estimated annual revenue
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Payroll (or if it’s just you)
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Number of vehicles
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Any contract/COI requirements
…and we’ll tell you what construction insurance is likely to cost for your Dallas business and what options make the most sense.
How We Help You Get Covered (Without Headaches)
You’re busy. You’ve got crews to manage, materials to order, and jobs that can’t afford delays. So our process is built to be simple - and fast.
Here’s how it usually goes:
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You tell us what you do (GC, remodeler, subcontractor, residential, light commercial - whatever fits)
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You send any contract requirements (even a screenshot is fine)
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We shop and compare options and explain what matters in plain English
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You choose what fits - we bind coverage and confirm the details
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We help with COIs and keep things moving as your projects change
If you ever feel like you’re being asked for “special wording” and you’re not sure what it means, you’re not alone. This is a big part of what we do every week - and we’ll walk you through it without making it complicated.
What Dallas Construction Companies Often Add (Depending on the Job)
Some policies are common across the board. Others depend on what you’re building, who you’re building for, and how strict the contract is.
Here are a few add-ons we frequently see for Dallas construction businesses:
Umbrella Insurance (Extra Limits)
If you’re working with larger GCs, commercial clients, or higher-value properties, you may be asked for higher limits than a standard liability policy provides. An umbrella can add extra protection on top of liability and auto.
Contractors E&O (Professional Liability)
If you’re doing design-build, handling plans/specs, or taking on project management responsibility, E&O can help protect you from claims that allege a professional error - like an oversight, a design issue, or a decision that leads to financial loss.
Tools, Equipment, and Materials in Transit
Construction gear moves. Tools live in trucks, trailers, and job boxes. Materials don’t always stay neatly on one site. We can help you set this up properly so you’re not relying on coverage that only applies at one location.
Bonds (When Required)
Some jobs require bonds as part of the agreement. If that comes up, we can help you understand what you’re being asked for and point you in the right direction.
What To Have Ready for a Faster Quote
If you want the fastest, cleanest quote process, having a few basics ready can save a lot of back-and-forth:
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Your trade / scope of work
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Your annual revenue
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Payroll estimates (and whether you use subcontractors)
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A list of vehicles used for work (and who drives them)
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Any contract insurance requirements (COI wording, limits, endorsements)
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Prior claims history (if any)
Don’t worry if you don’t have everything perfect. Just send what you have - we’ll help fill in the gaps.
Construction Insurance FAQs
What insurance does a construction company need in Dallas, TX?
Most construction businesses start with general liability, then add coverage like commercial auto, tools & equipment, builders risk, and sometimes umbrella or E&O, depending on contracts and job types.
Do subcontractors need their own insurance?
In many cases, yes. GCs and clients often require subs to carry their own liability coverage and provide a COI before they can step on site.
Can you issue a COI quickly?
Yes. If you send the certificate holder info and the required wording, we’ll help issue the COI and make sure it lines up with the actual policy setup.
What does “additional insured” mean?
It means another party (like a GC or owner) is added to your liability policy for a job, usually through an endorsement - because the contract requires it.
What’s the difference between builders risk and general liability?
General liability is about injury/property damage claims. Builders risk is designed to help protect the structure/materials during construction.
Does Texas require workers’ comp?
Texas is different than many states. Some businesses aren’t legally required in every situation, but contracts often require workers’ comp (or an alternative arrangement) before you’re allowed on the job.
Do I need commercial auto if I use my truck for work?
If the vehicle is used for business - especially if employees drive it, it carries tools, or it’s titled to the business - commercial auto is usually the safer (and often required) choice.
How much coverage do GCs usually require?
It varies, but many contracts require specific minimum limits and sometimes an umbrella. The best move is to send us the requirements so we can match them correctly.
Can you cover multiple job sites?
Yes. Construction businesses typically work across multiple job sites - coverage should reflect that.
Ready to Get Construction Insurance in Dallas, TX?
If you need coverage for a new job, you’re being asked for a COI, or you want to clean up your insurance before the next contract comes in, we’re here to help.
Send us your trade + job type + any contract requirements and we’ll guide you from there - quickly, clearly, and with your best interests in mind.
