Contractors Building America One Project at a Time | Contractors Insurance | Hettler Insurance Agency, Lubbock Texas

Licensed To Sell Business Insurance in Texas

Contractor’s Insurance in Texas

Running a contracting business in Texas can be incredibly rewarding, whether you are self-employed or operate a crew of 20 employees. Protecting your business from risks whether required by the government or recommended by your insurance agent, is key to growth and future profits.

Contractor businesses are unique from retail stores and traditional businesses and can include: Plumbers, Electricians, HVAC Technicians, Architects, General Contractors, Engineering Firms, Solar Installers, Carpenters, Roofers, Cleaners, Landscapers, Remodelers, Painters, Handyman, and more.

We help you get contractor insurance coverage so you can spend more time on the jobsite and less time doing stuff that doesn’t get the work done. You need to finish the project and get on to the next project. We speak insurance-ese so you don’t have to.

Adequate contractor’s insurance can help your firm stand out against other bids, allow you to join industry associations and win awards. Regardless of whether Texas or your city requires insurance, your customer could require general liability and other specialty forms of coverage.

Compare Quotes from Multiple Carriers!
We do the shopping so you don’t have to.

Roofers in Texas | Contractors Insurance | Hettler Insurance Agency, Lubbock Texas

Types of Contractor Insurance Coverage

Many contractors operate out of the home and may not require commercial property insurance. Instead, contractors typically perform work at the customer’s location. This can be a residential home, a construction site or a commercial property. General Liability Insurance provides broad protection.

A construction site for a new building is exposed to a variety of hazards including natural disasters, theft, vandalism and more. These risks are covered by a Course of Construction/Builder’s Risk Insurance.

Contractors also rely on special tools and equipment that can fail, become damaged or even stolen. This equipment can be owned/leased, and requires a special Contractor’s Equipment Policy.

Contractors are more likely to receive an injury while working or traveling. Let’s not forget about the unrelenting Texas heat which can put employees in the hospital. These risks are covered by Worker’s Compensation Insurance.

Many contractors rely on a commercial vehicle for transport, which exposes the business to vehicle accidents and other liabilities. This risk is covered by a Commercial Auto Policy.

Roofers in Texas | Contractors Insurance | Hettler Insurance Agency, Lubbock Texas

Testimonial from Owner of KJ Works

Company: KJ Works

Policies with HIA: General Liability, Contractors Policy, Inland Marine, Commmercial Auto and Worker’s Comp.

Industry: Residential and Commercial Construction

Working with Hettler Insurance Agency has made my life less stressful in various ways. I was switching over from a previous insurance company and they made sure to find me the best prices that would benefit me in the long run. If I ever have any questions about anything regarding my policies, HIA is very easy to get in contact with.
Contractor’s insurance combines separate policies (worker’s compensation, general/umbrella liability, bonds and commercial auto insurance) into a business owner’s policy, customized for contractors.

Hettler Insurance Agency is licensed to sell contractor’s insurance for contractors of all sizes. We can build standard policies with optional coverage available, including:

— Vehicles rented from others or owned by employees causing property and bodily injury
— Tools rented or leased and damaged
— Coverage for building materials and equipment that travel
— Replacement coverage for tools and equipment

Counties and cities where your business performs work are likely to require general liability insurance or surety bonds as an alternative. To be a general contractor/builder in Lubbock, Texas, requires registration and a minimum of $100,000 in liability insurance coverage.

Texas prides itself on having a free market, and many contractor trades aren’t licensed by the state including: remodelers, roofers, general contractors and builders. Some trades that are licensed require a minimum in general liability coverage. An Electrical Contractor, Electrical Sign Contractor, Residential Appliance Installation Contractor and Air Conditioning and Refrigeration Contractors (Class A) are required to maintain in general liability insurance:

1. Minimum $300,000 per occurrence (combined for property damage and bodily injury);
2. Minimum $600,000 aggregate (total amount the policy will pay for property damage and bodily injury coverage); and
3. Minimum $300,000 aggregate for products and completed operations.

Auto insurance is required in Texas, although whether a vehicle needs a commercial or personal policy can be difficult to determine. If the vehicle is registered/owned by the business, driven by employees or used for business frequently, a commercial auto policy is required by law. Learn more about commercial auto insurance.

Worker’s Compensation is not required in Texas, but optional. However, the risk of an employee or even owner getting injured on the job is too high to forgo insurance. If your firm works as a subcontractor, you may be required to offer worker’s compensation, as the general contractor can’t cover injuries of your employees. Working on government contracts, will also require worker’s compensation.

Lenders will often require adequate insurance coverage before approving building financing and other projects.

Choose Your Insurance Type!

Vehicle Insurance

Insurance protection for the vehicles that matter most to you.

Auto Insurance – We insure thousands of cars, trucks, vans, and commercial vehicles used in all types of businesses.
Motorcycle Insurance – Start your Motorcycle riding experience with insurance through Hettler.
ATV and Motorsport Insurance – Does it have a key? Is it a dirt bike? We have a program to cover it.
Classic Car Insurance – Classics and antique vehicles require special coverages. We represent a couple of different carriers to cover them.
RV and Mobile Home Insurance – Big values traveling down the road? No problem. We handle the big risks all the time.
Boat and Watercraft Insurance – We cover boats of all sizes.

Property Insurance

Insurance protection for the property that matters most to you.

Homeowners Insurance – Your home is your castle. Protect your most valuable asset with quality coverage.
Condo Insurance – Condos are a little different. Call us to get your specialized coverage!
Renters Insurance – Fires in apartments and rental homes are way too common. Renter’s coverage is really reasonably priced.
Landlord Protection ™ – Renting your home? Protect yourself with landlord insurance.
Flood Insurance – You have to have a separate policy to cover flood… It can happen even here in the desert.
Storm & Hail Insurance – Texas has had thirty-six $100,000,000 or larger disasters from severe storms in the past 25 years and more than 80% of the time, hail was to blame for the damage.
Earthquake Insurance – Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Most home insurance policies do not cover earthquake damage. Good news, earthquake insurance can be inexpensive.

Commercial & Business Insurance

Coverage that helps protect your business

Business Owners Policy (BOP) – Lubbock County is in the top 10 for commercial property damage due to wind, hail and dust storms; and the top 10 for commercial auto comprehensive claims due to weather; and the top 10 for lightning storm damage.
General Liability Insurance (GL) – Insurance coverage for when you or your products hurt someone or damage property.
Commercial Property Insurance – Coverage against Fire, Wind, Hail, and many other perils.
Business Auto Insurance – Cover your business with insurance for commercial and business vehicles.
Commercial Liability Insurance – also known as “general liability insurance” is a broad policy that covers a number of liability exposures of a business. Business liability insurance is often the first line of defense against lawsuits from customers, allowing an owner to protect both personal and business assets.
Commercial Umbrella Insurance – Insurance coverage that gives an extra layer of liability protection from the rising costs of lawsuits.
Workers’ Compensation Insurance (workers comp) – Medical bills and lost income Insurance coverage that helps you take care of injured employees.
Cyber Security Insurance – In an era of leaked embarrassing online photos, confidential emails and digitally internet connected employees and customers, it’s no wonder businesses (of all sizes) are rushing to cover themselves with cyber liability insurance.
Surety Bonds – Get your notary bond, your contractor’s bond, your bid bond, or your performance bond from Hettler Insurance Agency.
Contractor’s Insurance – Many contractors operate out of the home and may not require commercial property insurance. Instead, contractors typically perform work at the customer’s location. This can be a residential home, a construction site or a commercial property.
Builder’s Insurance – With a good Builder’s Risk policy, the structure, materials and equipment are protected from theft, vandalism and weather damage during the construction phase.

Life/Health Insurance

Insurance protection for your family’s health.

Health Insurance – Insurance for you, your family, and your pocketbook. Uncovered medical costs can bankrupt you.
Personal Umbrella Insurance – An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. You may need this in case of a car wreck involving a fatality, etc. For a minimal cost, you can protect your assets, and your future earnings.
Whole Life Insurance – Life insurance coverage designed to be there for your whole life.
Term Life Insurance – Insurance protection to help keep your family secure for a specific period of time.