Contractors Insurance Dallas, TX
Get a Customized Contractors Insurance Quote for Your Business Today
Contractors insurance in Dallas, TX that’s built around your trade, your crews, and your budget. As a local independent insurance agency, we’ve worked with thousands of Texas contractors since 1996. We take the time to understand how your business really operates, then shop quotes from 80+ top-rated carriers to build coverage that fits your risks and COIs/contract requirements – without the jargon, surprises, or guesswork.
COI & Contract Requirements for Dallas Contractors
Need a COI fast? We help you meet common requests like:
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Additional Insured (ongoing + completed operations)
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Primary & Noncontributory
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Waiver of Subrogation
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Hired & Non-Owned Auto (HNOA)
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Tools & Equipment (Inland Marine)
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Umbrella limits when a GC requires higher coverage
COI Checklist for Dallas Contractors
Copy and paste this checklist into an email to your GC, builder, or client so we can issue your COI with the right wording the first time.
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Certificate Holder: ______
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Job Name/Address: ______
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GL Limits Required: ______
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Additional Insured: Ongoing Ops ☐ Completed Ops ☐
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Primary & Noncontributory ☐
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Waiver of Subrogation ☐
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Completed Operations required? ☐
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HNOA required? ☐
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Umbrella required? ☐ Amount: ______
What is Contractors Insurance
Contractor insurance is a package of business insurance coverages designed specifically for the construction trades. It helps protect contractors, subcontractors, and construction companies from job-related risks like accidents, property damage, and legal claims, so one incident doesn’t derail your business.
Coverages usually include:
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General liability insurance – for third-party injuries and property damage
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Commercial auto insurance – for vehicles you use for work
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Workers’ compensation insurance – for employee injuries
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Plus other coverages depending on how you operate
Because construction work comes with real hazards - from ladder falls to damaged customer property - having the right protection in place is essential.
The right contractor insurance can help:
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Pay for covered claims and legal costs
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Protect your tools, equipment, and materials
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Keep contracts moving when clients ask for proof of insurance
Whether you run a crew or work as an independent contractor, a well-built contractors insurance policy gives you the financial protection and peace of mind to keep your projects (and your business) moving forward.
Why contractors in Dallas choose the Thumann Agency
Choosing the right insurance agency can make a significant difference in protecting your contracting business. Here’s why so many Texas contractors rely on us:
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Construction-focused since 1996 – Decades of experience serving contractors means we understand jobsite risks, regional regulations, and client requirements.
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Comprehensive, tailored coverage – We partner with over 80 top-rated carriers to provide insurance policies that protect your projects, employees, and equipment.
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Contractor-focused service & proven results – From policy reviews to claims support, our team helps thousands of Texas contractors stay compliant, competitive, and financially protected.
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Proven results, long-term support – Thousands of Texas contractors trust us to review contracts, flag gaps, and be there when claims or questions come up - not just at renewal time
How Much Does General Contractor Insurance Cost
Several factors influence your contractor insurance premium, including:
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Type of work performed
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Coverage limits
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Number and type of vehicles used for work
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Business size and annual revenue
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Claims history
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Experience in the industry
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Coverage types and policy limits
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Location and jobsite risks
Typical rates for general liability in Dallas start around $150/month.
Bundling policies (such as general liability with commercial auto insurance) can often lead to significant cost savings.
Who Needs Contractors Insurance?
If you work in the trades in Dallas or anywhere in Texas, there’s a good chance someone has already asked you for a certificate of insurance. Many general contractors, builders, and project owners require proof of coverage before you step on site - sometimes by law, often in the contract.
Contractors insurance helps protect you from the unique financial risks that come with construction work, including:
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Jobsite injuries
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Accidental property damage
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Damaged or stolen tools and equipment
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Claims from unhappy clients
Trades that typically need contractors insurance include:
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General contractors
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Roofers
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Electricians
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Plumbers
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Carpenters
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HVAC technicians
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Painters
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Landscapers
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Masons
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Concrete contractors
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Handypeople
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Alarm & security contractors
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Excavators
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Pool & spa contractors
At Thumann Agency, we work with contractors across Dallas and all over Texas to build coverage that fits the way you work – so you can take on every project with confidence and the right proof of insurance in hand.
Small Business Considerations for Texas Contractors
If you’re a small contractor in Dallas, the right insurance can be the difference between a minor hiccup and a major setback. A few key things affect your price and coverage:
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What you do – trade, type of jobs, and size of projects
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Who you employ – number of employees and subcontractors
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Where you work – Dallas jobsite risks, travel, and tools on the go
You can often save money by bundling policies (for example, general liability + commercial property or commercial auto) instead of buying everything separately.
When you work with a local, independent agency like Thumann, we compare quotes from multiple carriers for you and help you choose a package that fits your jobs, your budget, and your growth plans – so you can focus on running the business, not decoding policy jargon.
Common Insurance Types for Dallas Contractors in Texas
Dallas contractors face unique risks every day. Insurance for general contractors includes a variety of business insurance policies tailored to the needs of the industry. The right insurance can keep your projects and your reputation on track.
Here are the essential business insurance policies every contractor should consider:
Helps protect your business if someone is injured or their property is damaged because of your work, and can cover related legal costs for common risks on Dallas jobsites.
For a plain-English breakdown of what it does (and doesn’t) cover, read our guide: Liability Insurance for Texas Contractors: What You Need to Know.
Helps pay medical bills and lost wages if an employee is hurt on the job.
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Not required for most private employers in Texas, but often required by contracts
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Can help you meet bid requirements and protect your crew
Covers vehicles you use for work (not usually covered by personal auto).
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Crucial if you or your team drive to Dallas-area jobsites
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Can cover company trucks, vans, and some trailers
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Tools & Equipment Insurance
Protects your tools and portable equipment from theft or damage.
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Ideal for tools stored in vehicles, on trailers, or on busy jobsites
Covers your office, shop, and business contents.
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Helps with damage from fire, storms, theft, and other covered losses
Covers claims that your advice, design, or plans caused a financial loss.
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Important for contractors who design, spec materials, or provide consulting
Protects a construction project while it’s being built.
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Can cover materials, work-in-progress, and certain jobsite risks
Guarantee you’ll complete work as agreed in your contract.
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Common for public jobs and many larger private projects in Texas
Bundles core coverages (often general liability + property + business interruption).
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Simple, cost-effective option for many small contractors
Contractors pollution liability insurance
Covers pollution-related claims, like spills, fumes, or toxic dust.
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Fills gaps not covered by standard general liability or property policies
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Inland Marine Insurance
Covers tools, equipment, and materials while in transit or stored away from your main location.
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Helpful if you move gear between multiple Dallas jobsites
Adds an extra layer of protection above your main liability policies.
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Useful for contractors on larger or higher-risk projects who want higher limits
What our customers are saying about the Thumann Agency
⭐⭐⭐⭐⭐ 4.7 out of 5 based on 105+ verified Google reviews
- I am so happy I found the Thumann agency because I don’t have to worry about shopping around for insurance on my own. They have always been the best at finding great options for me. Thank you! - Kaylee
- It's been a pleasure to work with Thumann Agency and I would highly recommend them for all your insurance needs - Rajeev
- An amazing insurance company that works above and beyond for their customers' needs. - Kimberly
- Same-day turn around for all of my commercial needs. Telling all my friends! - Urian
FAQs About General Contractor Insurance in Dallas, TX
What does contractors insurance cover?
Contractor insurance in Dallas, TX typically includes liability coverage for third-party bodily injury, property damage, and legal expenses, as well as protection against job site accidents. Depending on the policy, it may also include tools and equipment coverage, commercial auto, and workers' compensation. At Thumann Agency, we customize contractor insurance to fit your business's specific risks and needs.
What kind of insurance should a contractor have?
Contractors should consider several business insurance policies to fully protect their business, including general liability insurance, commercial auto insurance, workers' compensation, builder's risk, and professional liability (if applicable). Thumann Agency helps general contractors in Dallas choose the right coverage options to stay compliant and protected on every job.
How does business insurance protect general contractors?
Business insurance helps general contractors in Dallas minimize financial loss from lawsuits, property damage, injuries, and work delays. If a claim arises (such as a client injury on-site or a subcontractor's mistake), your contractor insurance can help cover legal fees, settlements, or repairs. Thumann Agency ensures your coverage works when you need it most.
How can I get a certificate of insurance (COI)?
Once your contractor insurance policy is active, Thumann Agency can quickly issue a Certificate of Insurance (COI), often within the same day. This document proves your business is insured and is often required before starting a project or bidding on a job in Dallas, TX.
What do I need to get an insurance quote online?
To get an accurate contractor insurance quote online, you'll need basic business details like your company name, type of work, number of employees, past claims history, and annual revenue. Thumann Agency makes the process simple, offering fast and free online quotes for general contractors in Dallas, TX, and provides personalized quotes to ensure you get the right coverage at the best price.
Which policies are required for general contractors in Dallas, TX?
General contractors in Dallas, TX typically need general liability insurance, commercial auto insurance, and may require surety bonds for permits or contracts. Workers' compensation is optional but strongly recommended.
When do you need a general contractor business license in Dallas, Texas?
In Dallas, Texas, general contractors don't need a state license but must register with the City of Dallas before starting work. Registration is required for most residential and commercial projects and includes showing proof of liability insurance.
Do I need workers' compensation insurance if I'm an independent or self-employed contractor?
In Texas, workers' compensation is not mandatory for independent contractors, but it's highly recommended. If you're injured on the job, you may not be covered without it. Many clients also require it before hiring. Thumann Agency helps self-employed contractors in Dallas secure affordable workers' comp coverage for peace of mind.
Get Your Contractor Insurance Quote Today
Protecting your Dallas contracting business doesn’t have to be complicated. Whether you’re a general contractor, subcontractor, or independent tradesman, Thumann Agency can help you find the right coverage for your projects, employees, and tools.
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Fast, Personalized Quotes – Get coverage that fits your trade, business size, and budget.
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Local Expertise – Benefit from decades of experience serving Dallas contractors.
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Peace of Mind – Stay compliant with client requirements and protect your business from unexpected risks.
Request your free quote today and see how easy it is to secure comprehensive contractor insurance that lets you focus on building, bidding, and growing your business with confidence.
Last Updated: 12.08. 25
Disclaimer: This information is provided for general educational purposes only and is not intended as legal advice or a complete description of coverage options. Terms, conditions, and availability vary by carrier and state. The Thumann Agency is licensed and operates in accordance with Texas Department of Insurance regulations.
