Workers' compensation insurance is essential for businesses of all sizes in Pflugerville, TX. At TWFG - Contractors Insurance, we provide comprehensive workers' comp insurance tailored to your company's specific needs. This guide sheds light on our workers' comp insurance services and how TWFG - Contractors Insurance can help protect your business and employees.
Workers' compensation insurance provides coverage for medical expenses and lost wages if an employee gets injured or becomes ill due to their job. Regardless of your industry, ensuring the safety and wellbeing of your employees is crucial. TWFG - Contractors Insurance offers flexible and reliable workers' comp insurance solutions for your business.
This covers the cost of medical treatment, hospital stays, and medications if an employee is injured or becomes ill due to their work.
This provides compensation for wages lost while an employee is unable to work due to a work-related injury or illness.
This covers the costs of physical therapy and other rehabilitation treatments needed for an employee to return to work.
TWFG - Contractors Insurance is a trusted provider of workers' comp insurance in Pflugerville, TX. With competitive insurance rates and comprehensive coverage options, we are the go-to choice for many businesses. Contact us at 713-388-6681 to discuss the best workers' comp insurance options for your business needs.
Whether you're a small business owner seeking an affordable policy or a large corporation requiring a robust coverage plan, TWFG - Contractors Insurance offers tailored solutions. Protect your business and your employees today. Contact us at 713-388-6681 for your personalized workers' comp insurance quote.
For a quick and convenient quote, you can also complete our online quote request form. At TWFG - Contractors Insurance, we're committed to helping clients in Pflugerville, TX safeguard their businesses and their team with the best workers' comp insurance!
Below are answers to some of the most common contractor insurance questions TWFG - Contractors Insurance receives. If you have additional questions, call us at 713-388-6681 and we'll be happy to help.
Texas workers' comp premiums are set per $100 of payroll and vary dramatically by trade class code. Carpentry runs roughly $6–$12 per $100 of payroll, electrical work $3–$6, plumbing $4–$7, and roofing $15–$30 – the highest of any common trade. A roofing crew with $200,000 in payroll can expect $30,000–$60,000 per year, while an electrical shop with the same payroll might pay $6,000–$12,000.
Texas contractors typically pay $1,500–$3,000 per vehicle per year for commercial auto with $1M combined single limit – the limit most GC contracts require. Pickups and vans are generally on the lower end, while dump trucks and vehicles towing equipment trailers are on the higher end.
Builders risk typically costs 1%–4% of the total construction budget for the policy term. A $500,000 ground-up build usually runs $5,000–$20,000 depending on construction type, location, and term length. Interior build-outs and renovations price lower than ground-up frame construction.
Bid bonds are usually free or under $100. Performance and payment bonds typically cost 1%–3% of the contract value, so a $1M bonded job costs roughly $10,000–$30,000 in bond premium, driven mostly by the contractor's credit and financials. Contractors with strong financials pay at the low end.
$1M/$2M means the policy pays up to $1 million for any single occurrence and up to $2 million total across all claims in the policy year. It's the standard limit requirement in Texas construction contracts. Larger commercial projects increasingly require $5M, usually satisfied by stacking a commercial umbrella on top of the base $1M policy.
Contractors typically pay $400–$1,500 per year per $1 million of umbrella coverage. It's the cheapest way to meet contracts requiring $2M–$5M limits, because the umbrella sits over your existing GL, auto, and employer's liability rather than replacing them.
The biggest premium drivers are trade type (height and fire exposure cost more), payroll and revenue size, claims history, subcontractor usage without certificates, years in business, and whether work is residential or commercial. New ventures (under 3 years) and contractors with open claims pay meaningfully more until they build clean history.
Yes. Most carriers offer monthly installments with 10%–25% down, and pay-as-you-go workers' comp programs tie your premium to actual payroll each month, which prevents large audit bills and helps cash flow on seasonal work.
Reviewed by Sameer Khan, licensed Texas commercial P&C agent with over 20 years of experience helping Houston contractors obtain commercial insurance.
