Question 1

What commercial insurance do Houston contractors need?

Accepted Answer

Most Houston contractors commonly need general liability insurance, and depending on the job requirements may also need workers’ compensation, commercial auto, and tools/equipment coverage (inland marine). Requirements can vary by trade and by contract.

Question 2

How fast can I get a Certificate of Insurance (COI)?

Accepted Answer

In many cases, a COI can be issued the same day once coverage is bound and the certificate details are confirmed (additional insured, project name, and certificate holder).

Question 3

Do Texas contractors need workers’ compensation?

Accepted Answer

Texas does not require most private employers to carry workers’ compensation, but many general contractors and project owners require it by contract. It also helps protect your business and employees if a work injury occurs.

Question 4

What insurance does Amazon require for sellers?

Accepted Answer

Amazon may require sellers to carry commercial general liability insurance and provide a certificate meeting Amazon’s requirements, including policy limits and adding Amazon as an additional insured when applicable.

Question 5

How much does commercial insurance cost in Houston?

Accepted Answer

Cost depends on trade type, payroll, revenue, claims history, and coverage limits. The fastest way to get an accurate price is to request a quote with your business details and contract requirements.

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