Texas Commercial & Home Services Insurance & Risk Hub

Standard General Liability insurance explicitly excludes damage to property that is under your temporary care while you are working on it. For example, if your technician damages a commercial HVAC unit while repairing it, or scratches a premium garage tracking system during installation, a standard policy may deny the claim. Care, Custody, and Control (CCC) coverage closes this massive gap, protecting your business when customer property is damaged while in your direct workspace.

Always require Certificates of Insurance with matching limits, verify additional insured endorsements, and confirm that your subcontractors’ policies include waivers of subrogation. EIS Texas provides certificate tracking and subcontractor compliance tools through our Risk Management Services platform to help protect you from uninsured exposures.

Texas doesn’t mandate Workers’ Compensation, but opting out increases employer liability. For mid-size contractors, carrying Workers’ Comp—or using an Occupational Accident + Employer’s Liability hybrid—is often the safest approach. It protects your workforce, reduces downtime, and positions your company more favorably with large project owners.

You’ll need Inland Marine coverage for mobile tools and equipment, plus Commercial Auto for your trucks and service vehicles. Policies should extend coverage statewide (and multi-state if applicable) to cover theft, damage, and liability during transport or use. EIS Texas designs custom schedules to track assets and minimize gaps.

As project size and payroll increase, your exposure multiplies. That’s when traditional policies alone may not be enough. Many growing contractors move into Group Captive Insurance Programs to gain control over premiums, claims, and long-term risk costs. EIS Texas specializes in helping contractors transition into these advanced structures when the timing and scale are right.

No. Standard policies contain absolute pollution exclusions. If a landscaping crew applies a herbicide that drifts onto a neighboring premium property, or a pest control technician experiences a chemical spill or chemical exposure complaint, standard coverage will not pay. You need a specialized Pollution Liability endorsement or standalone policy that explicitly covers the transport, application, and storage of commercial chemicals to protect your licensing and assets.