For most Texas contractors, insurance renewal season feels like a formality. You get the quote, sign the forms, and move on to the next project.
But that “quick renewal” habit can cost thousands in overpaid premiums — or worse, leave you exposed when something goes wrong.
At EIS Texas, we approach renewal as a risk review, not a renewal form. It’s a chance to realign your protection with your growth, your projects, and your goals.
Here’s the five-step review every contractor should complete before their next policy renewal.
1. Verify Your Subcontractor Compliance — or Risk a Denied Claim
If you’re hiring subs without verifying certificates of insurance, you’re putting your company on the hook for their mistakes.
Carrier audits and claim investigations almost always ask one question:
“Were subcontractors properly insured at the time of the job?”
Failing to confirm coverage can lead to claim denials or unexpected premium surcharges.
At EIS Texas, we help contractors automate compliance tracking through certificate management systems — ensuring you stay audit-ready and covered.
2. Check Classification Codes and Payroll Accuracy
Every policy is priced based on your payroll classifications.
If your crews’ job duties have changed — say, more asphalt paving, roofing, or specialty work — your class codes might not match your actual exposure.
That can mean you’re overpaying or underinsured.
Before renewal, review:
- Your WC class codes
- Gross receipts and subcontractor costs
- Employee roles and job mix
A proactive review with your Workers’ Compensation partner can reduce costs and prevent mid-term audits from catching you off guard.
3. Evaluate Fleet Safety and Auto Exposure
Commercial Auto claims are climbing across Texas — and many contractor fleets haven’t adjusted coverage limits or driver policies in years.
Ask yourself:
- Have you added or retired vehicles this year?
- Are employees driving personal vehicles for business?
- Is your fleet safety program documented?
We help clients align their Commercial Auto Insurance with updated driving exposures and implement risk-based driver guidelines — reducing premiums and losses.
4. Review Property and Equipment Coverage for Inflation and Expansion
Your tools, trailers, and heavy equipment have likely appreciated — or multiplied — since last renewal.
But has your coverage kept up?
Underinsuring your equipment or property can lead to devastating shortfalls if fire, theft, or vandalism hits.
That’s why we help Texas contractors conduct a Risk Management Integration review that benchmarks your limits against current market valuations and replacement costs.
5. Reassess Contractual Liability and Umbrella Coverage
Project contracts keep getting longer — and riskier.
You might be signing indemnification clauses that far exceed your policy’s terms.
A thorough risk review ensures your Umbrella Liability and Contractual Liability limits align with your biggest projects and client demands.
For high-revenue contractors ($5MM+), we often recommend aligning this with a Group Captive Insurance Option to gain long-term premium control and profit sharing.
The EIS Texas Renewal Process: Beyond the Coverage™
At EIS Texas, renewal isn’t a transaction — it’s a touchpoint for transformation.
We don’t just ask for signatures; we ask questions that reveal growth, risk, and opportunity.
Our Beyond the Coverage™ Partnership model ensures:
- Annual risk review and mid-term audit support
- Carrier negotiation for better pricing and terms
- Access to captives and advanced risk funding options
- Transparent guidance on every renewal document
When you treat renewal as a strategy session, not a chore, you shift from reactive coverage to proactive protection.
Your business has grown because you take ownership — not shortcuts.
Your insurance should reflect that same standard.At EIS Texas, we help contractors move from last-minute renewals to long-term planning — protecting what you’ve built and preparing for what’s next.
If your renewal is coming up, let’s make it strategic.
Schedule a Risk Consultation
FAQs
When should Texas contractors start their insurance renewal review?
At least 60 days before renewal. That gives your agency time to evaluate exposures, gather updated data, and negotiate better terms.
What’s included in an EIS Texas renewal risk review?
We analyze your classifications, fleet, payroll, contracts, and risk management processes — ensuring your coverage evolves with your business.
Does EIS Texas work with subcontractor-heavy contractors?
Yes. We help contractors implement compliance systems and certificate tracking tools to reduce audit and claim risk.
Commercial Insurance Advisor — Eastman Insurance Solutions Texas
Shane Eastman leads EIS Texas with integrity and purpose, serving contractors, asphalt and paving firms, pest control companies, and care providers across Texas. Schedule a Risk Consultation →
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