As a home builder or contractor, you may face a range of risks while working on construction sites or interacting with clients. To protect your business, you should consider obtaining a comprehensive Home Builder and Contractor Business Insurance policy that includes the following coverages:

   1.General Liability Insurance: This coverage can protect your business against claims for property damage, bodily injury, and advertising injury caused by your operations, products, or completed work.

   2.Property Insurance: This coverage can protect your business against losses resulting from damage to your business property, including buildings, equipment, and materials.

   3.Workers’ Compensation Insurance: This coverage is required in most states and provides benefits to employees who are injured on the job.

   4.Commercial Auto Insurance: If you use vehicles for your business operations, this coverage can protect you from losses related to accidents or damage to your vehicles.

   5.Professional Liability Insurance: This coverage, also known as Errors and Omissions Insurance, can protect your business from claims related to professional negligence, errors, or omissions that may result in financial losses for clients.

In Texas, the specific insurance requirements for home builders and contractors may vary based on the size and scope of their operations. However, many contractors and builders may need to obtain general liability insurance and workers’ compensation insurance to meet state regulations.

When shopping for Home Builder and Contractor Business Insurance in Texas, it’s important to work with a knowledgeable insurance agent who can help you understand your specific risks and coverage needs. An agent can also help you compare policies and select the insurance coverage that’s right for your business.