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General Contractor Insurance in Houston, Texas

Save up to 30% on business insurance
Construction Insurance
General contractor insurance - NEXT

General contractor insurance that's made for your Houston, Texas business

We’re dedicated to helping you get the general contractor insurance coverage you need to protect your business from accidents, injuries, property damage and legal fees. Popular insurance bundles for general contractor business in Houston, TX include:

  • General liability
  • Contractors’ E&O
  • Workers’ compensation
  • Tools & equipment
  • Commercial property
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Save up to 30% on general contractor business insurance in Houston

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Find the right general contractor business insurance in Houston

We have all the business insurance you might need for your general contractor business in Houston. And you save up to 10% when you combine coverage.

General Liability

General Liability

Bought by 95% of business owners like you

General liability insurance covers the risks that affect almost every general contractor business. It’s the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.

General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
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Contractors' E&o

Contractors' E&o

Bought by 80% of business owners like you
Errors and omissions insurance (also known as professional liability) helps you to defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of project cost overruns, it could help cover related expenses to defend yourself.
Contractors' E&o can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
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Workers' Compensation

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if your general contractor business has employees. Choose business owner’s coverage with your policy to protect yourself.

Workers' Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
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Tools & Equipment

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs. Tools and equipment insurance is available as an add-on to our general liability insurance.
Tools & Equipment can help you pay for:
Equipment Owned By You
Employee Tools and Clothing
Borrowed Equipment
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Commercial Property

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your general contractor business equipment, inventory and even the building itself if you own it. If your general contractor business property is damaged due to a covered event, such as a burst water pipe or fire, commercial property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
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How much does business insurance cost

How much should a general contractor in Houston, Texas expect to pay for business insurance?

Running a small business is a 24/7 job. That’s why NEXT makes it quick and painless to get the right coverage that’s customized exactly to your needs. A general contractor business in Houston has unique needs and we tailor our policy based on:

  • How many people are on your payroll
  • The state and city in which you work
  • The kind of work you do
  • The number and types of vehicles you use for work

It usually costs about $62.50 each month for business insurance for general contractor business in Houston, Texas.

When you save up to 30% on business insurance, you can afford to invest in growing your small business. We’re here to make sure you always have the right amount and kind of coverage.

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general contractor insurance requirements in Houston

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Help pay for accidents that cause damage to property that isn’t yours.
  • Defend yourself. If you’re accused of making a mistake that causes someone to lose money.
  • Hire employees. Most states require workers’ compensation insurance if you have employees.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Everything you want to know about Insurance

Frequently asked questions about general contractor business insurance

Here are some of the most common questions we get about general contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer general contractor business insurance in Houston, TX?
Yes, NEXT Insurance offers tailored general contractor business insurance in Houston.
Does NEXT Insurance offer Commercial Property coverage for general contractor business in Houston?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Tools & Equipment, Commercial Property coverage for general contractor business in Houston, TX.
How does business insurance protect general contractors?

Our contractor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

Your ladder slips and crashes through a living room window. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A distracted homeowner trips over your extension cord, breaks their ankle and sues you. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

Your employee has to get medical care and cancel some jobs after they slip and cut their finger with a drill. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You get into a fender bender with your work truck that was ruled your fault. Commercial auto coverage will help pay for the repairs and some of the rental costs, depending on the policy limits. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

Motor failure puts your compressor out of commission. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.

Damage to your own property

A water pipe bursts in your office and floods the entire space. Property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as fire, tornado or vandalism.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account and require help from our support team, please visit our online help center.