General Contractor Insurance in Roanoke, TX | Neill Insurance Brokers
Neill Insurance Brokers provides comprehensive general contractor insurance for construction companies throughout Roanoke, TX and the greater DFW Metroplex. As an independent agency, we compare rates from multiple top-rated carriers to find the best coverage for your contracting business at the most competitive price.
Northwest Tarrant County — including the Alliance Gateway corridor, Walsh Ranch, and the Highway 114 growth zone — is one of the fastest-growing construction markets in the United States. General contractors in this market face unique risks, tight project timelines, and demanding insurance requirements from property owners and developers. Neill Insurance understands the construction business and can build a coverage program that protects you without overpaying.
What Insurance Do General Contractors Need in Texas?
General Liability Insurance for Contractors
General liability is required by virtually every property owner, developer, and municipality before a general contractor can begin work. It covers third-party bodily injury and property damage claims arising from your operations. Most Texas construction projects require at least $1M per occurrence / $2M aggregate, with additional insured endorsements for the property owner. We can issue certificates of insurance quickly so you never lose a job waiting for paperwork.
Builder’s Risk Insurance
Builder’s risk (also called course of construction insurance) covers the structure being built against damage from fire, theft, vandalism, and weather — including hail, which is a significant risk in North Texas. It’s typically required by lenders and property owners on new construction projects. Coverage is available for residential and commercial construction.
Workers’ Compensation
While Texas doesn’t mandate workers’ comp for private employers, most general contractors carry it — and require their subcontractors to carry it as well. It covers employee medical expenses and lost wages for on-the-job injuries, and protects you from costly lawsuits. In the construction industry, where injuries are common, workers’ comp is essential protection.
Commercial Auto Insurance
Your work trucks, vans, and equipment trailers need commercial auto coverage. We cover individual vehicles and entire fleets, and can add hired and non-owned auto coverage for employees who use their personal vehicles for business.
Umbrella / Excess Liability
For larger projects and higher-risk operations, an umbrella policy adds $1M–$10M in additional liability coverage above your general liability and auto policies. Many commercial developers and government contracts require $5M or more in total liability coverage.
Why General Contractors in North Texas Choose Neill Insurance
- Independent agency — we compare rates from multiple carriers to find your best deal, not just one company’s price
- Construction expertise — we understand the specific coverage needs of general contractors in the DFW growth market
- Fast COIs — we issue certificates of insurance quickly so you can start jobs on time
- Competitive rates — our clients save an average of 20% when they switch to Neill Insurance
- Local service — based in Roanoke, TX, serving contractors throughout the Alliance/Northwest Tarrant corridor
How Much Does General Contractor Insurance Cost in Texas?
General contractor insurance costs depend on your annual revenue, payroll, type of work, and coverage limits. A small general contractor in Texas might pay $5,000–$15,000 per year for a complete package including general liability, workers’ comp, and commercial auto. Larger operations will pay more. As an independent agency, we shop multiple carriers to find the most competitive rate for your specific business.
Frequently Asked Questions — General Contractor Insurance
What insurance does a general contractor need in Texas?
Texas general contractors typically need: General Liability (required by most clients and projects), Workers’ Compensation (strongly recommended; required for government work), Commercial Auto (for business vehicles), Builder’s Risk (for new construction projects), and Umbrella Liability (for larger projects or higher coverage requirements). The right combination depends on your project types, size, and client requirements.
Do general contractors in Texas need to be licensed?
Texas does not have a statewide general contractor license. However, many cities and counties require local permits and registration, and specialty trades (electrical, plumbing, HVAC) require state licenses. Most commercial projects and developers will require proof of insurance and may require specific license or registration documentation. We can help you understand the requirements for your specific market and project types.
How much does general contractor insurance cost in Texas?
General contractor insurance in Texas typically ranges from $5,000 to $20,000+ per year depending on revenue, payroll, project types, and coverage limits. As an independent agency, Neill Insurance compares rates from multiple carriers to find the most competitive price for your operation. Call (682) 237-7975 for a free general contractor insurance quote.
Get a Free General Contractor Insurance Quote
Ready to protect your contracting business? Call Neill Insurance at (682) 237-7975 or complete our online quote form. We serve general contractors throughout Roanoke, Keller, Fort Worth, and the entire DFW Metroplex.