Contractor Insurance in Texas
From The Ground Up.

General Liability

Commercial Auto

Workers Comp

Contractor Bonds

Custom, Quick Solutions for All Forms of Contractors Insurance

One of the primary benefits of partnering with us as your Texas contractor insurance company is our sole specialization in the construction industry. This means that by choosing our company, you will have solutions for all forms of coverage, including:

Workers Compensation Insurance

This protects both you and your employees should worker injuries occur on a job site.

General Liability Insurance

This protects third parties from bodily injury and property damage that could result from your negligence. Ask us about any your contractors insurance Texas needs!
Commercial Auto Coverage

Commercial Auto Coverage

This protects any vehicles associated with your business, including stake body, flatbed, and dump trucks. At Pacific United, we shop multiple carriers to ensure you receive the best rates.
License and Surety Bonds

License and Surety Bonds

This protects your funds and covers any damage to an estate caused by construction, unpaid companies, and any stolen or lost items.

You Will Find 100% Satisfaction with Us!

  • In the majority of cases, we’re also able to offer quotes within just 24 hours and provide you with a certificate the exact same day. Of course, this doesn’t mean sacrificing quality service for speed either, meaning you get the same solutions in less time.100%

Your Contractor Specialists

Proper coverage is vital if you’re in the construction industry. But all too often, providers view requirements as standard, packaged solutions that will work for all companies.

At Pacific United , we know that this isn’t the case. We view your business as unique, regardless of whether you’re a one-person company or a mid-sized contractor generating anywhere between 1 to 10 million in gross receipts.

As such, you can rely on our team to approach several markets on your behalf and leverage industry relationships to secure competitive pricing on a customized proposal for your requirements.

The result is a personalized solution designed to comprehensively address your needs while providing premium protection for you, your employees, your customers, and your company.

Talk To Us First.

You’re Tired of Overpaying, Rate Increases, Unresponsiveness, and Standard Solutions. So Are We.

Our team refuses to accept the common issues often associated with both general and artisan trade insurance.By partnering with us for your coverage, you can avoid overpaying, rate increases, unresponsiveness, and standard solutions that aren’t custom-tailored to your needs.

Instead, we offer access to the most competitive markets and the San Diego Roofing Contractors Association, allowing us to create customized solutions based upon your company. And, because we understand that your business never sleeps, we offer guaranteed access to a live person whenever you need us.

Safeguard and Secure Your Company’s Future With Pacific United

Insurance is one sacrifice you can’t afford to make when you want to safeguard the future of your company. When you want a provider that specializes in the construction industry, takes time to get to know your unique needs, and provides customized solutions for your company, Pacific United can help.

To get your own competitive quote today, contact us at 800-409-7944. We look forward to providing the protection and cost-effective coverage your company requires.

Pacific United Insurance 700 Lavaca St #1400, Austin, TX 78701 (512) 649-4311

We also provide coverage for the following areas:

Austin Contractor Insurance
Dallas Contractor Insurance
Houston Contractor Insurance
Michael Benoit

Michael Benoit

President

Patricia Mosteller

Patricia Mosteller

President

The Importance of General Liability Insurance in TX

Construction sites contain many potential hazards, such as machinery malfunctions, electrical accidents, and fall risks. Because of this, general contractors shoulder a great deal of responsibility. Not only is the work itself high-risk, but there’s considerable liability in defective products, accidents, injuries, and lawsuits.

All these potential legal and medical expenses can quickly deplete your business assets. Contractor liability insurance in Texas is necessary to protect against all these circumstances that can result in liability claims and defect lawsuits.

Also, each industry comes with special considerations and concerns that are unique to their services. With Pacific United General Liability Insurance, you have the option to be covered for all these possibilities, regardless of your industry. Our experienced agents are experts in handling the unique concerns of Texas contractors, as well as providing customized solutions for your individual business needs.

It’s also important to understand the coverage best-suited to your work. Contractors need a policy that protects them from ongoing and completed projects, subcontractors, and the possibility of injuries on your premises. The trusted agents at Pacific United Insurance are experienced in advising contractors, so they’re prepared to guide you through this process.

We’re also concerned about your bottom line, so we are prepared to offer advice about coverage and competitive rates. As a result, you save money and have peace of mind, knowing that you’re protected from any issues that may arise.

Despite your best efforts and intentions, things can occasionally go wrong. When things go wrong in the construction industry, however, they often have expensive and catastrophic consequences. General liability insurance protects you from the significant financial burden, but that’s not the only reason for coverage. Whether your business handles small, midsize, or large construction projects, these are some of the benefits of having general liability insurance:

• Bodily Injury Claims-No matter how careful you are, accidents happy, especially in open worksites where inexperienced people may unknowingly enter or pedestrians may stumble or trip over equipment and debris. If someone is injured on your business premises, general liability insurance covers injury-related expenses for third parties.

• Property Damage-Property damage typically covers damage to another person’s property as a result of fire, lightning, or explosions. If someone claims your business or service damaged their property, the ensuing legal battle can be expensive and time-consuming. General liability insurance protects your contracting business from lawsuits related to property damage.

• Completed Products Claims-If someone is injured as a result of your completed services or products, your contracting company is liable, regardless of your knowledge of any potential risks or defects. With general liability coverage, however, your legal expenses are covered.

• Immediate Medical Expenses-If someone is injured on your property or worksite, Immediate Medical Expense Claims covers the cost of their medical attention. This protects you from the possible risk of a lawsuit from not responding to the incident immediately.

• Contractor Errors and Omissions-Though not necessary in every industry, contractor errors and omissions insurance cover claims related to timeliness, budget, and negligent work. It’s important to note that this is not usually included in general liability insurance, but is a useful addition to cover policy gaps in certain industries.

• Advertising Injury-Libel, slander, invasion of privacy, and copyright infringement are all potential risks to handling your marketing and advertising for your contracting business. These errors are usually accidental and incredibly easy to make, especially with the viral nature of the internet. General liability insurance also covers you if you face a lawsuit for any of these errors, which can be costly.

The financial protection provided by general liability insurance typically covers legal-court costs, witness fees, attorney’s fees, police report costs, lost wages from court appearances, judgments and settlements, and medical expenses.

Who is protected by a Texas Contractor insurance?

• Joint venture or partnership-all partners, members, and spouses are protected in the event of a lawsuit • Corporation-all executive officers, stockholders, and directors are protected in the event of a lawsuit • Subsidiaries-liability coverage extends to subsidiaries where you own at least 50 percent of the stock • Vendors-if you have a written agreement to indemnify a person or organization would be protected against claims of property damage or bodily injury as a result of selling or distributing your products • Legal associations-volunteers and any other individuals legally associated with your business are protected against liability from the work done for you

General liability insurance is often required for general contractors, contractors, and subcontractors. Also, clients may want some proof of coverage before hiring you for a project. They want to ensure that they are covered if your work or service cause any injuries.

One of the biggest risks in the construction industry is third-party injuries, and some of the most expensive claims for a contractor involve construction defects, property damage, medical expenses, and worksite accidents. Improving safety on your property and worksites is a start, but that may not be enough to protect you against all unexpected accidents and injuries.

Don’t leave your business assets vulnerable to medical bills, legal expenses, settlements, or judgments. Contact Pacific United Insurance today to discuss the services you offer, your potential liabilities, and let them guide you in determining the best general liability coverage for Texas general contractors.
Don’t forget to check out our site for more insurance options, such as workers compensation and commercial automobile insurance, for all your contracting insurance needs.