Texas Trade Contractor Insurance & Risk Hub | EIS Texas

Most mid-market contractors in Texas carry at least $1M per occurrence / $2M aggregate in General Liability, with an Umbrella or Excess Liability policy ranging from $5M–$10M depending on project size and contract requirements. The right limits depend on your revenue, subcontractor volume, and client contracts. EIS Texas reviews these factors to ensure your coverage meets compliance and truly protects your balance sheet.

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.