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Contractor / Trade Professional

Bundle

You build things for a living. One bad day shouldn't tear it all down. This bundle was built for you.

What's Covered

I've poured concrete, run cranes, and worked trades my whole life. I know exactly what's at stake on a job site — and what a standard policy misses.

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Homeowners

Your home is your base. Protect it right.

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Auto

Personal and work vehicles.

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Shop / Garage Coverage

Your workspace, tools, and equipment storage.

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Commercial Auto / Fleet

Every vehicle with your name on it, from one truck to a full fleet.

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General Liability Property

Property damage, bodily injury, completed operations — the big ones.

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Workers' Comp

One claim without it is a business-ending event.

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Inland Marine

Tools and equipment on the road, on the job, or in transit.

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Commercial Property

Your office, your shop, your supply storage.

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Valuable Parts / Inventory

Materials and inventory you've got on hand.

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Home-Based Business Rider

If you run any part of your business from home, your HO policy probably doesn't cover it. This does.

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Disability / Accident

If you can't work, this keeps the bills paid.

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Umbrella

One lawsuit can exceed a single policy's limits. Umbrella stops the bleed.

What insurance does a Texas contractor need?

Most Texas contractors need general liability, commercial auto, inland marine for tools and equipment, workers' compensation, and commercial property coverage at minimum. A solo operator has different needs than a crew of 20 — we build the bundle around your specific operation.

Is workers' comp required in Texas?

Texas is the only state where private employers can opt out of workers' compensation. However, opting out carries significant risk — one serious injury claim without coverage can be a business-ending event. We can walk you through both options.

Does my personal auto policy cover my work truck?

In most cases no — if you're using a vehicle for business purposes a personal auto policy may not cover a claim. Commercial auto coverage is built for exactly that situation.

What is inland marine insurance?

Inland marine covers your tools and equipment while they're in transit, on a job site, or in storage — anywhere outside your fixed location. If your tools get stolen from your truck or damaged on a job, inland marine coverage is what pays for them.

Do you cover solo operators and small contractors?

Yes. Whether you're a one-person operation or running a crew, we build the bundle around your actual operation — not a template.

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Broker. One Point of Contact.

3

Specialized Bundles.

30+

Coverage Types Available.

54+

Carriers.

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Runaround. No Jargon. No BS.

This is Texas. You work hard, you shoot straight — so do I.

No pushy sales, no fine print surprises. Just the right coverage, explained in plain English.

We understand that your F-250 is a work truck, not a family hauler — and that your shop is a business asset, not a hobby garage.

We'll write your coverage to reflect that. Whether you're a solo operator or running a crew — we build the bundle around your operation, not a template.

Ready to stop guessing whether you're actually covered? Takes less than 5 minutes to start. No pressure, no jargon, no BS.