Contractors Insurance in Texas

As a contractor with your own equipment and tools of trade, you are essentially operating you own business and it’s only sensible to protect your business assets from theft or damage. Naturally, if you have a vehicle you use for work, it would be wise to take out comprehensive auto insurance policy. Insurance for contractors can be a confusing area. If you’re unsure as to whether you are considered a contractor or employee for workers’ compensation insurance, or uncertain as to the types of insurance coverage you need as a contractor, we can help you figure it out. David Kimbrough Insurance Agency has a variety of insurance options for contractors.

Our aim is to offer you what you need and let you choose what to buy. Some exposures are easy to spot; however, others take time and attention. For example, how does one quantify the potential loss due to an accidental pollution spill, and how is that information properly related to the coverage provided by the insurance policy? Are general contractors requiring specialized certificates of insurance, and does your policy adequately provide the necessary coverage to satisfy these contractual demands? What are your bonding needs? Are you properly protected from a claim arising from rented equipment? These are just a few of the questions our insurance experts are trained to ask. David Kimbrough Insurance Agency identifies helps you identify your needs and exposures.

We can designed liability protection for all types of contractors, covering all types of exposures and hazards.

Through Our Contractors Insurance Programs, We can Provide :

• Professional Indemnity - It can cover contractors against claims for negligence, unintentional breaches of intellectual property, loss of data, or documents and claims for dishonesty.
• Employers Liability-covers employees for any injury sustained at work.
• Public Liability-also known as “general” or “product” liability insurance. It covers your company against third party claims. It will also cover you if you accidentally damage property at your client site.
• Tool Insurance - "Scheduled" or "Unscheduled". Unscheduled tools are usually the smaller hand tools of the contractor profession. Scheduled items are items over a set value, usually $500 limit or more.
• Commercial Auto Insurance - You will be asked about how your employees use their vehicles, which employees drive company cars, and if some employees will be using their own cars for company work and travel.
• Inland Marine - Bobcats, Excavators, Mowers all are classified in this category.

Contractors may also be interested in covering themselves against computer damage and/or office contents insurance. Contact David Kimbrough Insurance Agency today to ask about which Contractors Insurance options may be right for you.

Texas Insurance Agency offering Contractors Insurance policies in
Friendswood, Houston, Pasadena, and League City Texas.