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Hey there! Are you an artisan contractor in Pflugerville, TX? Then you know your work is unique, and so are the risks you face every day. That's where we, at TWFG - Contractors Insurance, come in! We're all about providing the perfect insurance solutions for skilled professionals like you. Need to chat? Call us anytime at 713-388-6681.
Your skills are your livelihood. Whether you're a plumber, electrician, carpenter, or any other type of artisan contractor, you face specific challenges and risks in your line of work. That's where artisan contractor insurance steps in, offering a safety net for those unexpected moments.
Equipment Damage
Injury Claims
Business Interruption
Let's break down some typical claims that can be covered:
Imagine this: Your power tools get stolen from a job site, or a client trips over your equipment, injuring themselves. With artisan contractor insurance, you're covered for these and many other scenarios. Curious about more examples? Give us a ring at 713-388-6681!
At TWFG - Contractors Insurance, we understand that no two artisan contractors are the same. That's why we tailor our policies to fit your unique needs. Whether you're a solo operation or have a team, we've got you covered.
Our team at TWFG - Contractors Insurance is passionate about helping artisan contractors in Pflugerville, TX thrive. We're not just insurers; we're your partners in business, offering guidance and support when you need it most. Have questions? Just call us at 713-388-6681.
Ready to protect your artisan contracting business? Getting started with TWFG - Contractors Insurance is easy and hassle-free. Reach out to us at 713-388-6681 or fill out our online quote request form. We're excited to work with you!
General contractors face unique insurance challenges, from managing subcontractors to meeting contract requirements and protecting completed work. Below are answers to some of the questions TWFG - Contractors Insurance hears most often from Texas general contractors. Need personalized advice? Call us at 713-388-6681.
A general contractor typically carries $1M/$2M general liability with completed operations, commercial auto, workers' comp, an umbrella sized to contract requirements ($1M–$4M extra), builders risk on ground-up projects, and bonding capacity for public or large private work. GCs managing subs should also verify every sub's COI and additional-insured status – it's the single biggest controllable cost factor at audit.
A small GC doing $500K–$1M in revenue typically pays $3,000–$8,000 per year for general liability, roughly 0.5%–2% of revenue depending on the residential/commercial mix and subcontractor usage. Add commercial auto, umbrella, and workers' comp, and total insurance spend commonly lands between 2% and 5% of revenue.
Your completed operations coverage generally extends to work performed on your behalf by subcontractors—which is exactly why carriers charge you for uninsured subcontractor payroll. But your policy is not a substitute for the subcontractor's own insurance. Contractual risk transfer (subs carrying their own GL, naming you as additional insured, and signing indemnity agreements) is what keeps your losses and premiums down.
Owner's and Contractors Protective (OCP) is a standalone policy a contractor buys to protect a specific project owner. Wrap-ups (OCIP/CCIP) are master programs where the owner or GC insures every contractor on a large project under one policy. If you're enrolled in a wrap, your own GL usually excludes that project—make sure your certificates and pricing reflect it.
Reviewed by Sameer Khan, licensed Texas commercial P&C agent with over 20 years of experience helping Houston contractors obtain commercial insurance.
