Does your trade need workers comp in Texas?
There are many types of independent contractors who need specific liability and other coverage to match their unique risks.
4 min read · Moreno Insurance Agency, San Antonio
Who this is for
Professionals who can benefit include plumbers, carpenters and electricians, independent construction contractors, repair and maintenance professionals, freelance writers, editors and designers, house cleaners and salon professionals, and many other service-based businesses.
The workers comp question
The need for Workers Compensation insurance is determined by state laws and whether you have employees. If you are a sole proprietor without employees, you may not be required to have it. If you employ other workers, your state will almost certainly require you to carry this insurance.
The policy protects employees from job-related injuries or illnesses and can help prevent financial loss from employee lawsuits.
The one that catches finished work
Completed Operations protects you if a project you finished later causes damage or injury. Property Damage provides coverage if you or one of your employees causes damage to a client’s property.
An Errors and Omissions policy protects you if a mistake or negligence in your work causes a financial loss for a client. You may want or need this coverage if you provide professional advice or consulting in your line of work.
Read the full coverage page, or start a quote and we will walk you through it on the phone.