Liability + Job-Site Risk
Understand how General Liability may fit into the contractor’s broader insurance program.
HOW THE WORK GETS DONE
Contractor Insurance for Texas Businesses
Built Around the Way You Work
A contractor does not have one risk.
Your business may depend on vehicles, tools, equipment, employees, job sites, contracts, and property working together every day.
Our approach starts with how your company actually performs the work, then identifies which Business Insurance conversations belong around the operation.
Prefer to talk? Call 281-697-6215.
Commercial Vehicles
Review work trucks, vans, drivers, and business vehicle use.
Tools + Business Property
Discuss shops, equipment, tools, and other property the company depends on.
Based in Katy. Serving Texas Contractors.
A locally led agency helping contractors and trade businesses throughout Texas.
THE BUSINESS IS MORE THAN ONE POLICY
A Contractor Doesn’t Have One Risk
Completing one job can involve people, vehicles, tools, equipment, property, contracts, and work performed at someone else’s location.
Liability + Job Sites
Work at customer homes, commercial properties, construction sites, and other job locations can create liability questions.
Commercial Vehicles
Work trucks, service vans, drivers, crews, and daily business use deserve their own insurance conversation.
Tools + Equipment
Contractor property may move from the shop to a vehicle, then to a job site, and back again.
Employees + Contracts
Employees, subcontractors, payroll, project requirements, and larger contracts can change the broader insurance picture.
Contractor Insurance should reflect the operation rather than force every contractor into the same package.
BUILT FOR THE TRADES
Contractors & Trade Businesses We Help
General Contractors & Construction
Contractors coordinating projects, crews, vehicles, tools, equipment, and customer requirements.
HVAC Contractors
Field-service businesses relying on technicians, vehicles, tools, and equipment.
Electrical Contractors
Businesses working at homes, commercial properties, and job sites.
Plumbing Contractors
Service businesses using vehicles, equipment, employees, and customer locations.
Roofing Contractors
Contractors with trade-specific operations and underwriting considerations.
Landscaping & Lawn Care
Companies using vehicles, trailers, tools, equipment, and crews at customer properties.
Cleaning & Janitorial
Service companies regularly entering customer homes, offices, and commercial properties.
Growing Contractor Businesses
Contractors expanding vehicles, employees, equipment, territory, and project size.
WHEN THE OPERATION CHANGES
When Does a Contractor Insurance Review Make Sense?
Starting the Business
Signing a Larger Contract
Hiring Employees
Using Subcontractors
Buying a Work Vehicle
Adding Another Crew
Buying Major Tools or Equipment
Opening a Shop or Warehouse
Growth can happen gradually.
Your insurance should have an opportunity to keep up with the contractor business you operate today.
THE CORE COVERAGE CONVERSATIONS
Contractor Insurance Is a Combination of Conversations
There is no universal insurance package that fits every contractor.
General Liability Insurance
A core contractor liability conversation for work performed at customer locations, job sites, and other eligible business operations.
Explore General Liability Insurance
Commercial Auto Insurance
For eligible work trucks, service vans, company vehicles, drivers, and other business vehicle use.
Explore Commercial Auto Insurance
Commercial Property Insurance
For eligible shops, offices, buildings, contents, equipment, and other fixed business property.
Explore Commercial Property Insurance
Business Owner’s Policy
A potential packaged commercial solution for qualifying contractor businesses.
Explore Business Owner’s Policy InsuranceThe goal is not to sell every contractor every available policy.
It is to understand which coverage conversations belong around the operation.
TOOLS DON’T ALWAYS STAY IN ONE PLACE
What About Contractor Tools and Equipment?
Tools and equipment can be among a contractor’s most important business assets.
But contractor property often moves.
Fixed Business Property
- Shop
- Office
- Warehouse
- Contents
- Certain equipment
Commercial Property Insurance may be relevant depending on the property, location, policy, and available coverage.
Mobile Tools & Equipment
- Power tools
- Portable equipment
- Job-site equipment
- Tools transported in vehicles
Property that moves between locations may require a separate tools-and-equipment or Inland Marine conversation depending on available coverage.
Do not automatically assume Commercial Property Insurance protects every tool or piece of equipment everywhere it travels.
THE VEHICLE MAY BE PART OF THE JOB
Your Work Vehicles Are Part of the Contractor Insurance Picture
Contractors frequently depend on vehicles to reach customers, move employees, carry tools, transport materials, and support crews.
- Work Trucks
- Service Vans
- Employee Drivers
- Multiple Crews
- Tools & Materials in Transit
- Growing Vehicle Fleet
Business vehicle use deserves its own review.
Do not automatically assume Personal Auto Insurance handles contractor vehicle use the same way as Commercial Auto Insurance.
Explore Commercial Auto InsuranceHIRING CHANGES THE BUSINESS
Contractors With Employees Have Additional Questions
Adding employees can change payroll, vehicle use, crew size, job responsibilities, and workplace exposures.
Workers’ Compensation may deserve discussion depending on the business, contracts, employee classifications, payroll, carrier availability, and other circumstances.
THE DETAILS MATTER
What About Subcontractors?
Many contractors use subcontractors as part of their operations.
The insurance conversation can depend on:
- Who performs the work
- What type of work they perform
- What contracts require
- What insurance subcontractors carry
- What documentation is requested
- How the carrier treats the arrangement
Do not assume subcontractor relationships are treated the same by every policy or carrier.
If your company regularly uses subcontractors, make that part of the conversation.
BEFORE THE JOB STARTS
New Contract? Review the Insurance Requirements Early.
A larger contract may introduce requirements that did not exist on smaller jobs.
Do not wait until the day before work begins to find out what the customer or general contractor is requesting.
Need New Contractor Insurance?
If you do not currently carry the insurance being requested, begin with our Business Insurance team.
Already an Echevarria Agency Customer?
If you already have applicable Business Insurance and need a Certificate of Insurance, our service team can help.
Request a Certificate or ServiceA Certificate of Insurance provides information about coverage in place.
It does not automatically change the policy or guarantee that every contractual requirement has been satisfied.
THE CONTRACT ISN’T THE WHOLE BUSINESS
Contract Minimums and Your Actual Business Risk May Be Different Conversations
What the Contract Requires
Specific insurance requirements connected to one job or agreement.
What the Contractor Actually Needs to Understand
- Vehicles
- Employees
- Tools
- Equipment
- Shop or warehouse
- Other contracts
- Job sites
- Property
Meeting one contract requirement does not automatically answer every insurance question facing the contractor business.
WHAT CAN AFFECT THE PRICE?
What Can Affect the Cost of Contractor Insurance?
There is no single price called “Contractor Insurance.”
Trade & Business Operations
Years in Business
Annual Revenue
Payroll & Employees
Claims History
Business Location
Vehicles & Drivers
Tools & Business Property
Coverage Limits & Deductibles
Carrier Underwriting
An accurate Contractor Insurance quote starts with understanding the business behind the policy request.
KEEP COVERAGE CURRENT WITH THE OPERATION
Five Contractor Insurance Mistakes Worth Avoiding
Assuming General Liability Is the Only Coverage Needed
Contractors may also have vehicles, tools, equipment, employees, and property.
Assuming Personal Auto Handles Business Vehicle Use
Business vehicle use deserves a separate review.
Failing to Update Vehicles, Drivers, or Operations
The policy should have an opportunity to keep up as the company changes.
Underestimating Tools & Equipment
A growing contractor may accumulate substantial business property over time.
Buying Only the Minimum Required by a Contract
Meeting a contract requirement does not automatically address the broader contractor operation.
BUSINESS-OWNER EXPERIENCE
Contractor Insurance From a Business Owner’s Perspective
Francisco Echevarria
Agency Owner | Business Insurance & Operations
Francisco spent 15 years as a business owner before helping lead Echevarria Agency.
He understands the responsibility behind vehicles, equipment, employees, customers, contracts, growth, and reputation.
Contractors may work in a different industry than the business Francisco owned, but many ownership responsibilities are familiar.
How does your business actually get the work done?
That is where Francisco wants the Contractor Insurance conversation to begin.
START WITH WHAT YOU ALREADY HAVE
Has Your Contractor Business Outgrown Its Current Insurance?
Compare the contractor business you operate today with the company that originally purchased the insurance.
- Added Employees
- Added Crews
- Purchased Vehicles
- Added Drivers
- Bought Tools or Equipment
- Opened a Shop or Warehouse
- Signed Larger Contracts
- Started Using Subcontractors
- Expanded Territory
- Added New Services
The purpose is not to assume something is wrong.
It is to give today’s contractor business an opportunity to be compared with yesterday’s insurance.
SERVICE AFTER THE SALE
Already an Echevarria Agency Business Customer?
Marylu Simental
Customer Service & Retention Specialist | English & Spanish
- Billing
- Renewals
- Policy Changes
- Endorsements
- Certificates of Insurance
- Account Updates
- Coverage Reviews
- Routine Policy Service
BASED IN KATY. SERVING TEXAS CONTRACTORS.
Contractor Insurance for Businesses Across Texas
Echevarria Agency is based in Katy and serves eligible contractor and trade businesses throughout Texas.
The exact trade may vary.
The size of the company may vary.
The vehicles, tools, crews, and equipment may vary.
The starting point stays the same:
Tell us how the company performs the work.Explore Business Insurance in Katy, TX
A SIMPLE WAY TO START
How We Approach a Contractor Insurance Quote
Tell Us Your Trade
General contractor, HVAC, electrical, plumbing, roofing, landscaping, cleaning, or another trade.
Tell Us Where & How You Work
Customer homes, commercial properties, construction sites, shop, or multiple territories.
Review Vehicles, Tools & Equipment
What does the company own, use, transport, and depend on?
Review Employees & Operations
Employees, payroll, crews, subcontractors, and operational details.
Review Current Insurance & Contracts
Already insured? Bring what you have. Responding to a contract? Bring that too.
Review Available Options
Understand the recommendations and decide how you want to proceed.
COMMON QUESTIONS
Contractor Insurance FAQs
What insurance does a contractor need?
There is no universal insurance package appropriate for every contractor. Trade, operations, vehicles, employees, tools, equipment, property, contracts, subcontractors, and other factors can influence which commercial coverages deserve discussion.
Does a contractor need General Liability Insurance?
General Liability is an important coverage conversation for many contractors, particularly businesses working at customer locations or facing contractual insurance requirements. Actual needs, eligibility, and coverage depend on the contractor and policy.
Explore General Liability InsuranceDo contractors need Commercial Auto Insurance?
If vehicles are owned or used in connection with the business, Commercial Auto Insurance may deserve consideration. Vehicle ownership, drivers, usage, operations, and policy terms all matter.
Explore Commercial Auto InsuranceAre contractor tools and equipment covered by Commercial Property Insurance?
Do not assume tools or equipment are automatically covered in every location or circumstance. Property that moves between shops, vehicles, and job sites may require a separate tools/equipment or Inland Marine conversation.
Can a contractor qualify for a Business Owner’s Policy?
Some contractor businesses may qualify for a BOP depending on operations, trade, property, revenue, claims history, and carrier underwriting. A BOP may not address every contractor exposure.
Explore Business Owner’s Policy InsuranceWhat insurance might be required by a contract?
Requirements vary by agreement. A customer, general contractor, landlord, or other organization may request certain insurance or limits. The actual contract and current policies should be reviewed.
What affects the cost of Contractor Insurance?
Trade, operations, years in business, revenue, payroll, employees, claims history, location, vehicles, drivers, business property, tools, equipment, limits, deductibles, and carrier underwriting can affect different parts of the insurance program.
Can Echevarria Agency review the Contractor Insurance I already have?
Yes. We can begin with your current policies and compare them with the contractor business you operate today.
READY FOR ANOTHER LOOK?
Does Your Contractor Insurance Still Fit the Business You Run Today?
Crews, vehicles, tools, equipment, contracts, and operations can change as your company grows. We can start with what you have now.
Prefer to talk? Call 281-697-6215.
