Construction Insurance in Charleston, TX
Tailored coverage for Texas general contractors, subcontractors, and specialty builders at every scale.
Construction Insurance Mistakes That Put Your Projects at Risk
Carrying Minimum General Liability Limits
A single serious injury on a job site can easily exceed $1M. Many contractors carry the minimum required by their GC contracts, which may not be enough to protect their personal assets if a large claim is filed.
No Builders Risk on Active Projects
Standard property insurance doesn't cover a building under construction. Builders risk fills this gap from groundbreaking through completion, covering theft, vandalism, fire, and weather damage to materials and the structure itself.
Misclassifying Workers for Workers Comp
Using the wrong classification code for your crew can result in massive premium audits at year-end. Accurate classification from day one saves money and prevents coverage disputes after a claim.
Letting Certificates Lapse Between Projects
Many GCs require certificates of insurance before work begins. If your policy lapses between projects and you don't catch it, you can be pulled from a job and face breach of contract issues.
Why Charleston Businesses Choose TB Insurance
Charleston is South Carolina's oldest city and the hub of the state's maritime economy. The Port of Charleston, the second-busiest container port on the East Coast, drives enormous freight activity along I-26 and I-526, making commercial trucking insurance a critical business requirement for anyone operating in the Lowcountry.
Port drayage, container hauling, and coastal distribution are the dominant trucking segments in Charleston. TB Insurance places coverage with carriers that understand port access protocols, hazmat requirements near the terminals, and the seasonal fluctuations driven by the port's import/export cycles.
Coverage We Provide in Charleston
Every policy is tailored to your operation, not a one-size-fits-all package.
Ready to protect your operation in Charleston?