Liability at and after the job
A visitor injury at a jobsite and a damage claim after completion involve different circumstances. Review general liability, completed operations, classifications, and exclusions for the work you perform.
Austin office · Serving Texas businesses
Contractor Insurance in Austin & Across Texas
Your insurance needs can change when you add a trade, hire a crew, use subcontractors, or accept a larger project. Review your operations and contract requirements before you rely on a certificate of insurance.
Discuss your coverage ↗Build your coverage around the jobs you take.
Contracts and certificates
A contract may call for additional insured status, primary and noncontributory wording, or a waiver of subrogation. A certificate summarizes coverage; it does not create an endorsement or rewrite the policy. Have requirements reviewed before work starts.
Equipment and projects
Contractor equipment coverage may address mobile machinery and tools. Builders risk addresses eligible property during construction. These serve different purposes, and rented equipment or installation materials deserve their own review.
Questions to discuss with Brian
- What trades do you perform, and which work do you subcontract?
- Do you work on residential, commercial, or mixed projects?
- Are you taking on larger jobs or contracts with new insurance requirements?
What to have ready for a quote
You can start a conversation even if you do not have every detail yet. These items help make the review more useful.
- Revenue and payroll by type of work
- Subcontractor costs and insurance requirements
- Project values, equipment schedules, current policies, and contracts
A common coverage question
Is a certificate enough to satisfy a contract?
Not always. The required limits and endorsements must be present in the actual policies. Ask your agent to compare the contract requirements with your coverage.
Talk through your business insurance needs
Contact Brian Kuhlman at SIG/CHAPARRAL INSURANCE GROUP. Our Austin office serves Texas business owners with a review of operations, current policies, and available coverage options.
Office: 512-452-2427 · Email Brian
Request a quote ↗Coverage examples are general and do not promise claim payment. Availability and protection depend on underwriting and the issued policy’s limits, conditions, and exclusions. A quote request does not bind or change coverage.