Construction Insurance

Construction is one of the most high-risk industries in Texas — and one of the most underserved when it comes to insurance. Whether you're a general contractor, roofing contractor, framing contractor, concrete contractor, electrical contractor, plumbing contractor, HVAC contractor, or specialty trade subcontractor, the right construction insurance program is not optional. It's the foundation that keeps your business operating, your contracts moving, and your crew protected when something goes wrong on the job site. At Silva and Sons Insurance Services, we specialize in construction contractor insurance across Central Texas, Dallas, Houston, and San Antonio. We work with contractors of all sizes — from owner-operators pulling their first commercial permit to established GCs managing multi-million dollar projects with large subcontractor networks. Our licensed brokers understand the specific risks that come with construction work: third-party bodily injury claims, property damage disputes, equipment theft, workers compensation exposure, and the certificate of insurance requirements that can hold up a job if they're not handled correctly. General Liability Insurance is the cornerstone of any contractor's insurance program. It protects your business against claims for bodily injury and property damage arising from your operations — whether that's a client tripping over materials on a job site or a subcontractor accidentally damaging an adjacent structure. But general liability alone is rarely enough. Most contractors also need Commercial Auto Insurance to cover trucks, trailers, and work vehicles; Workers Compensation Insurance to protect employees injured on the job; and Inland Marine or Equipment Coverage to protect tools and machinery in transit or stored at a job site. If you work as a subcontractor, your GC may require you to carry specific coverage limits and name them as an additional insured on your policy. If you're a general contractor, you need to make sure your subcontractors are properly insured — and that your own policy is structured to account for the work they perform on your behalf. These are the details that separate a well-designed construction insurance program from a generic business policy that leaves you exposed. Our brokers will review your current coverage, identify gaps, and shop multiple carriers to find you competitive rates on a program built for how your business actually operates. We turn certificates of insurance around same-day, so you're never waiting on paperwork to start a job. If you're a contractor in Texas looking for construction insurance, workers comp for contractors, contractor general liability, or a complete commercial insurance review, contact Silva and Sons Insurance Services today.

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