Contractor Insurance in Roanoke, TX for Every Trade That Builds Here
Neill Insurance Brokers builds trade-specific coverage for HVAC contractors, electricians, general contractors, plumbers, roofers, and painters across North Texas — from an independent agency that shops 40+ carriers on your behalf.
Contractor insurance in Roanoke, TX is not one product. It is a set of policies that have to be built around how your specific trade operates — the work you do, the crew you employ, the vehicles you drive, and the contracts your clients require. A roofer’s exposure is not the same as a plumber’s. A general contractor’s risk profile is not the same as a painter’s. Generic contractor coverage that ignores those differences is coverage that will fail when it is actually needed.
Neill Insurance Brokers is a Roanoke-based independent agency serving North Texas contractors across every major trade. We shop 40+ top-rated carriers and review the actual policy language — not just the coverage summary — to make sure what you carry matches what you do.
Contractor Insurance by Trade
Choose your trade for coverage details specific to your exposures, common policy gaps in your industry, and real-world scenarios from jobs like yours.
Three policies are the foundation for most trade contractors regardless of what you build or install. The details inside those policies — limits, exclusions, classification codes — are what separate real protection from coverage that looks fine until it does not pay.
General Liability Insurance
Covers bodily injury and property damage to third parties during the course of your work, plus legal defense costs. Required by most commercial clients and municipalities. Learn more →
Workers Compensation Insurance
Medical costs and lost wages when an employee is injured on the job. Texas does not require it — but without it, injured workers can sue you directly. Learn more →
Commercial Auto Insurance
Covers your trucks, vans, and any vehicle used for business. Personal auto policies exclude business-purpose driving — even a short trip to a job site. Learn more →
40+
Carriers Shopped
91.4%
Client Retention Rate
20%+
Avg. Premium Savings
$6M+
Managed Premium
Why Trade-Specific Coverage Matters
Neill Insurance Brokers is an independent agency based in Roanoke, which means we are not captive to any single carrier and are not compensated to steer you toward any particular product. We shop 40+ top-rated companies and match the policy to the trade.
The most common problem we find in contractor accounts is not missing coverage — it is coverage that has the wrong language for the trade. A painter’s GL policy written without a pollution endorsement. A roofer’s completed operations sublimit set at a carrier default that does not reflect storm-season volume. A GC’s policy that never reviewed whether subcontractors’ incidents roll up to the GC’s policy. These are the gaps that show up at claim time.
The Texas Department of Insurance sets what carriers must offer. What it does not do is match your specific trade’s exposure to your specific policy language. That is what Neill Insurance Brokers does before you ever need to file a claim. Visit our insurance learning center for plain-language guides to contractor coverage.
“Every trade builds something different and carries different risk. The coverage should reflect that — not ignore it.”
What contractor insurance does Neill Insurance Brokers offer in Roanoke, TX?
Neill Insurance Brokers provides general liability, workers compensation, commercial auto, and business owners policies (BOP) for HVAC contractors, electricians, general contractors, plumbers, roofers, painters, and other trade contractors in Roanoke, TX and throughout North Texas. As an independent agency, we shop 40+ carriers to find the right coverage for each trade’s specific exposures.
Do contractors in Texas need general liability insurance?
Texas does not mandate general liability for most trades at the state level. However, the vast majority of commercial clients, property owners, and general contractors require a current certificate of insurance before allowing a contractor on site. Many municipalities also require proof of GL coverage to pull permits. Practically speaking, operating without it means you cannot take most commercial jobs.
What is the difference between a BOP and a GL policy for contractors?
A Business Owners Policy (BOP) bundles general liability and commercial property coverage into one policy at a lower combined cost than buying them separately. A standalone GL policy covers only liability — bodily injury and property damage to third parties. Neill Insurance Brokers reviews which option makes more sense for your specific operation before recommending either.
How much does contractor insurance cost in Texas?
Costs vary significantly by trade, annual revenue, crew size, and coverage limits. General liability for most trades runs $800 to $6,000 per year. Roofers typically pay more because of height exposure and claim frequency. Neill Insurance Brokers shops 40+ carriers to find the most competitive rate for your trade and your specific operation.
Does Neill Insurance Brokers serve contractors outside Roanoke?
Yes. Neill Insurance Brokers serves contractors throughout North Texas including Fort Worth, Southlake, Keller, Denton, Wise County, and surrounding areas. We are licensed throughout Texas and can write contractor coverage across the state. Our office is located in Roanoke at 101 N Oak St.
Scott Neill has spent over a decade helping North Texas contractors build coverage that holds up when it matters. Neill Insurance Brokers manages more than $6 million in premium across 40+ carriers. Learn more about Scott and the Neill team →
Get Your Contractor Insurance Quote
Tell us your trade and how your operation runs. We will find the gaps and shop 40+ carriers to build coverage that actually fits.
Are you ready to save time, aggravation, and money? The team at Neill Insurance Brokers is here and ready to make the process as painless as possible. We look forward to meeting you!
