Construction Insurance in Harris County, 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.
Local Context: Harris County
Harris County is the most populous county in Texas and home to the Port of Houston, the nation's busiest port by foreign tonnage. With over 5,000 lane miles of road and major freight corridors including I-10, I-45, Beltway 8, and the Hardy Toll Road, it's one of the most active trucking markets in the country.
Truckers operating in Harris County deal with heavy port traffic, hazmat corridor restrictions, and height restrictions on certain overpasses. TB Insurance works with carriers that specialize in Houston's complex operating environment.
Coverage We Provide in Harris County
Every policy is tailored to your operation, not a one-size-fits-all package.
Ready to protect your operation in Harris County?