General Contractor Insurance in Dallas, TX
At Thumann Insurance Agency, we know that as a general contractor, your time is valuable. That’s why we make getting the right insurance simple and stress-free. Our experts take the time to understand your business, ensuring you get the best coverage at the most affordable price.
We compare quotes from top-rated insurance carriers, so you can focus on your projects while we handle the insurance—saving you time and money.
Why Use Thumann Insurance Agency
Choosing the right insurance agency can make all the difference in protecting your business from unexpected risks. Here’s why contractors trust us for General Contractor Insurance in Dallas:
- Trusted Risk Advisors – We educate and guide general contractors to protect their business, employees, and projects from financial loss.
- We’re Local – With years of experience serving Dallas contractors, we understand the unique challenges you face on job sites and with compliance requirements.
- Comprehensive Coverage – We partner with top-rated insurance carriers to provide custom coverage options at the best value.
- Fast Quotes – Get same-day quotes so you can start protecting your business immediately.
- Trusted by Texas Contractors – Our dedication to tailored insurance solutions has earned the trust of contractors and construction professionals across Texas.
Experience the difference of working with an independent insurance agency that works for you. Get a customized quote today!
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General Contractor Insurance Requirements For Dallas, TX
Here’s a breakdown of the most important policies and the coverage amounts that keep you protected and compliant:
✓ General Liability Insurance for Contractors - Covers Accidents & Lawsuits
Recommended Coverage: $1 million per occurrence / $2 million aggregate
- Why It’s Essential: Covers bodily injuries, property damage, and legal fees if someone gets hurt or something gets damaged due to your work.
- Client Requirements: Most property owners, general contractors, and lenders require proof of general liability coverage before allowing work to begin.
- Example: A subcontractor trips over tools left on-site and sues for medical costs. General liability covers the claim and legal fees.
✓ Workers’ Compensation Insurance – Covers Employee Injuries
Recommended Coverage: Based on payroll & job risk
- Why It’s Essential: Covers medical bills, lost wages, and rehabilitation costs if an employee gets injured on the job.
- Client Requirements: While Texas doesn’t require workers’ comp, many public projects and private clients will only hire insured contractors.
- Example: A construction worker falls from scaffolding and needs surgery. Workers’ comp pays for medical care and lost wages, so you don’t have to cover it out of pocket.
✓ Builder’s Risk Insurance – Protects Your Construction Project
Recommended Coverage: Equal to the total project cost
- Why It’s Essential: Covers materials, equipment, and unfinished structures against fire, vandalism, theft, and storm damage during construction.
- Client Requirements: Many property owners and developers require contractors to carry this coverage before work begins.
- Example: A severe storm damages framing and materials on a new build. Builder’s risk covers the cost of repairs and replacements.
✓ Commercial Auto Insurance – Covers Work Vehicles & Equipment Transport
Recommended Coverage: $1 million combined single limit (CSL)
- Why It’s Essential: Protects company trucks, vans, and work vehicles from accidents, theft, and damage.
- Texas Law: Required for all business-owned vehicles—personal auto insurance won’t cover work-related incidents.
- Example: A work truck rear-ends another vehicle on the way to a job site. Commercial auto covers the repairs and liability costs.
✓ Contractor Surety Bonds – Secures Contracts & Builds Trust
Recommended Coverage: Varies by contract
- Why It’s Essential: Acts as a financial guarantee that you’ll complete a project as agreed. Many public works and private contracts require bonding.
- Example: A government contract requires a $50,000 surety bond to ensure the project gets completed on time and according to plan.
While having the right insurance coverage isn’t a requirement - it can serve as peace of mind, knowing you, your team and your projects are fully protected.
How Much Does General Contractor Insurance Cost?
The cost of general contractors insurance in Dallas can vary based on several factors, such as:
- The size of your business
- The type of services you offer
- The number of employees
- Claims history
- Specific risks in your industry
On average, Texas contractors pay between $500 and $1,500 annually for general liability insurance. Bundling other policies, such as workers' compensation and commercial auto, can reduce your overall insurance costs while ensuring comprehensive protection.
How Can I Lower My Insurance Cost?
Here are a few ways to lower your insurance premium without sacrificing coverage:
- Maintain a Clean Claims Record: Fewer claims can help you qualify for lower premiums.
- Bundle Policies: Combining general liability, property, and commercial auto insurance can reduce costs.
- Ensure Workplace Safety: Implementing safety programs reduces the risk of accidents and may lower premiums.
- Review Your Coverage Annually: Make sure your insurance policies evolve with your business’s growth to avoid unnecessary coverage.
At the Thumann Agency, we make it easy to compare quotes and find you the best deal, ensuring you get affordable coverage that meets your needs.
ACORD 25 Certificates for Contractors in Dallas, Texas
As a contractor, proving you have the right insurance is just as important as the work you do. Clients and lenders will likely require you to provide an ACORD 25 Certificate of Insurance.
This standardized document acts as proof that your business carries the necessary General Liability, Workers’ Compensation, Commercial Auto, or Builder’s Risk Insurance—protecting both you and your clients from financial risks.
Need an ACORD 25 Certificate of Insurance for an upcoming project? We make it quick and easy. If you're insured with Thumann Insurance Agency, just:
Call us at (972) 991-9100
Or fill out our Secure Certificate Request Form
We’ll get your COI processed fast, so you can focus on your work—without any hold-ups.
Why Texas Professionals Choose The Thumann Agency: What our customers say
⭐⭐⭐⭐⭐ based on 700+ reviews
Customers praise the Thumann Agency for its quick response times, money-saving results, and exceptional customer service. They mention receiving quotes within hours when other agencies couldn't deliver, and many report significant savings on their policies. Clients consistently highlight how the team makes insurance easy to understand and appreciate their honesty about rates and coverage options. Many are impressed with the comprehensive knowledge across both personal and business insurance needs.
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