Your trusted choice for
Contractors Insurance in Texas
Your focus is on the job, not the what-ifs. Moreno Insurance Agency can help you find a contractors insurance policy that protects your projects, tools, and livelihood, so you're prepared for the unexpected and can work with confidence.
What it covers
Protect Your Business from Risk
There are many types of independent contractors who need specific liability and other coverage to match their unique risks.
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Bodily Injury
Protects you if you or an employee cause injury or death to a third party. It can cover medical care for the injured person and your legal defense if you are sued.
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Property Damage
Provides coverage if you or one of your employees causes damage to a client’s property.
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Completed Operations
Protects you if a project you finished later causes damage or injury.
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Advertising and Personal Injury
This can cover claims of damaging another's reputation or causing a loss through libel, slander, or false advertising.
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Business Owners Policy
A BOP is typically a good fit for businesses with up to 100 employees and annual revenues of less than $5 million. It can combine liability with business property, business income and commercial auto.
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Professional Liability (E&O)
An E&O policy protects you if a mistake or negligence in your work causes a financial loss for a client.
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Why it matters
Who Needs Contractors Insurance?
There are many types of independent contractors who need specific liability and other coverage to match their unique risks. 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.
If you employ other workers, your state will almost certainly require you to carry workers compensation. The policy protects employees from job-related injuries or illnesses and can help prevent financial loss from employee lawsuits.
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Answers
Contractors insurance questions
Answers to the questions our office is asked most. If yours is not here, call and ask us.
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.
You may want or need this coverage if you provide professional advice or consulting in your line of work, if you hire employees or subcontractors who provide advice or consulting services, or if your state or a client contract requires it.
A BOP is typically a good fit for businesses with up to 100 employees and annual revenues of less than $5 million.
Start a quote
Four things, and we do the rest
Your name, a number that reaches you, an email for the paperwork, and the language you would rather we spoke. That is the whole form.
Rather just talk? (210) 256-8576Next step
One phone call is usually the whole job
Tell us what you want covered. If your current policy is already the right one, we will tell you that too.