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Contractor Insurance
Coverage that meets your contract requirements, without the runaround.
Contractors, subcontractors, and skilled trades. Whether you're bidding a Monday job or scaling a full crew, our contractor program combines general liability, workers' comp, commercial auto, and tools and equipment coverage tuned to your trade. Fast quoting, same-day COIs for standard requests, and an agent who understands what a GC will actually accept.
Trades We Insure
Trades we insure
If your trade isn't listed here, chances are we still write it. Just ask.
General Contractors
Remodelers & Additions
Electrical
Plumbing
HVAC
Roofing
Concrete & Foundation
Framing & Carpentry
Landscaping & Tree Service
Painting & Drywall
Flooring & Tile
Handyman & Small Jobs
Pool & Outdoor Living
Solar & Electrical Specialty
Excavation & Site Prep
Coverage Stack
Coverage stack for the trades
The building blocks of a contractor program. Mix them to match your work.
General Liability
The core policy. Covers third-party bodily injury and property damage caused by your work.
Workers' Compensation
Medical bills, lost wages, and liability protection when a crew member is hurt on the job. Texas doesn't require it, but most GCs will.
Commercial Auto
Trucks, vans, and trailers used for the business. Personal auto policies almost always exclude business use.
Tools and Equipment (Inland Marine)
Coverage for the gear you carry. Ladders, saws, generators, specialty tools, and rented equipment.
Umbrella / Excess Liability
Extra limits stacked over your GL, auto, and workers' comp. When a claim exceeds your primary limits, the umbrella takes over.
Builder's Risk (as needed)
Covers a project under construction against fire, theft, and weather damage. Usually project-specific.
Why Contractors Choose Us
Why contractors and tradespeople choose us
Independent shopping
We compare 300+ TWFG carriers so the coverage actually fits your trade, not a generic template.
Fast quotes and same-day COIs
When the job starts Monday morning, we move at your pace.
Flexible payment plans
Coverage that flexes as your business grows or the season changes.
Claims support when it matters
We help you document, submit, and advocate through the process.
