TWFG Khan Insurance is a construction business insurance company focused on contractors, builders, and construction firms operating across Houston, Texas, and surrounding areas. Construction work exposes workers to property damage, job-site injuries, contract disputes, and regulatory scrutiny. Generic coverage leaves gaps. Our role is to design construction company insurance that reflects how projects actually operate in Texas.
Our collaboration involves small and medium-sized construction companies that require insurance tailored to cover the actual risks, fast deadlines, and strict contract requirements. Our method is practical, quick to respond, and based on industry experience from issuing instant certificates of insurance to providing project-specific policies.
Why Construction Insurance Is Not One-Size-Fits-All
Construction insurance must consider site situations that may continuously change, be exposed to subcontractors, have equipment relocated, and cover third parties’ liability. Policies built for office-based businesses do not account for these realities.
As a dedicated construction insurance company, TWFG Khan Insurance focuses on:
- Jobsite-related bodily injury and property damage
- Damage to works in progress and construction materials
- Theft or loss of tools and mobile equipment
- Contractual insurance requirements and indemnity clauses
- Compliance with Texas construction and safety regulations
Each construction business insurance program is built after reviewing project scope, contract language, and operational risk, not from a template.
Construction Insurance Coverage We Arrange
We arrange construction insurance programs that address the real risks contractors face on active job sites, during transit, and after a project is complete, while meeting lender and contract requirements.
Commercial General Liability Insurance
Commercial general liability is the foundation of insurance for construction companies. It protects against third-party claims involving bodily injury, property damage, and completed operations.
Coverage typically responds to:
- Injuries to non-employees at the jobsite
- Damage to client or third-party property
- Claims arising after project completion
Many contracts require specific limits and endorsements. We review those requirements and structure coverage accordingly.
Contractors All Risk and Builders Risk Insurance
Contractors all risk and builders risk insurance protect construction projects while work is in progress. This coverage addresses physical loss or damage to the project itself.
Protection may include:
- Structures under construction
- Materials stored on-site or in transit
- Temporary works and staging areas
- Fire, theft, vandalism, and weather-related losses
Coverage terms are aligned with project timelines, values, and contractual responsibilities.
Workers’ Compensation Insurance
Texas construction businesses face high injury exposure. Workers’ compensation insurance provides medical and wage benefits to injured employees and protects employers from related lawsuits.
Coverage is structured based on:
- Trade classifications
- Payroll exposure
- Safety practices and claims history
We help construction firms understand Texas workers’ compensation requirements and risk management expectations as outlined by the Texas Department of Insurance.
Commercial Auto and Fleet Insurance
Construction vehicles create significant liability exposure. Commercial auto insurance protects owned, hired, and non-owned vehicles used for business operations.
This coverage applies to:
- Trucks and vans transporting crews or materials
- Fleet vehicles moving between job sites
- Hired and non-owned vehicle liability
Policies are coordinated with liability coverage to avoid coverage conflicts.
Equipment and Inland Marine Insurance
Tools and mobile equipment are critical to construction operations and are often excluded from standard property policies. Inland marine insurance protects movable equipment wherever it is used.
Coverage may include:
- Owned and rented equipment
- Theft and accidental damage
- Equipment in transit or temporary storage
Professional and Contractors Errors Coverage
There are specific construction positions that allow one to engage in design, planning, or consulting work. The professional liability insurance protects the insured party from claims that stipulate inaccuracies, neglect, or incorrect guidance, among others.
This is often required for:
- Design-build contractors
- Engineering and consulting services
- Specialized construction trades
Meeting Contract and Compliance Requirements
Construction contracts often dictate insurance limits, additional insured endorsements, waiver of subrogation, and specific policy wording. Failure to comply can delay projects or void contracts.
TWFG Khan Insurance reviews:
- Owner and general contractor insurance requirements
- Subcontractor agreements
- Lender and surety conditions
We also help clients align coverage with recognized safety and compliance standards, including OSHA jobsite safety guidelines and Texas construction regulations.
Why Construction Companies Choose TWFG Khan Insurance
Construction companies choose TWFG Khan Insurance because we deliver construction-specific expertise, fast certificates, access to A-rated carriers, and coverage personalized to the real risks of each project, not generic policies.
Industry-Focused Expertise
We specialize in construction business insurance, not general commercial coverage. Our experience includes residential, commercial, and industrial construction risks across Texas.
Fast Certificates and Responsive Support
Construction schedules move quickly. We issue certificates of insurance promptly and respond when coverage changes are needed mid-project.
Access to A-Rated Carriers
We work with established commercial construction insurance companies known for financial strength and claims handling. This gives our clients options, flexibility, and long-term stability.
Coverage Built Around Your Projects
Each construction company’s insurance program is customized. We evaluate job size, trade exposure, subcontractor involvement, and geographic risk before placing coverage.
Who We Serve
TWFG Khan Insurance supports:
- General contractors and developers
- Subcontractors and specialty trades
- Commercial and residential builders
- Project-based and long-term construction firms
Whether you manage one project or multiple sites across Houston and the surrounding areas, we structure insurance to support growth and reduce disruption.
Built to Protect Businesses Where the Stakes Are High
High-risk industries do not get second chances. The cost is real when the issue is and the timelines are short, and the paperwork is important. TWFG Khan Insurance Services is there for such a purpose.
Our collaboration focuses on pressure-bound companies like oil and gas operators, construction firms, maritime companies, manufacturers, and security providers. They selected us as their partners because we are the best at understanding their risks, almost instantaneous response, and lasting presence well beyond the policy’s start.
From fast, accurate Certificates of Insurance to coverage programs designed around how your business actually runs, our role is simple. We help you stay protected, compliant, and ready for what comes next.
Insurance should not slow you down. It should quietly support your growth while standing firm when you need it most.
Get a Fast, Reliable Commercial Insurance Quote
If your business operates in a high-liability environment, you need more than a generic policy. You need an advisor who understands your industry, your contracts, and the urgency of your work.
Speak with TWFG Khan Insurance Services today to review your coverage, request a quote, or get a certificate issued quickly and correctly.
Request a Quote
Call (512) 252-2618
Email service@twfgservices.com
Serving Pflugerville, Georgetown, Round Rock, and surrounding Texas communities
Specialized commercial property insurance for complex businesses. Built on speed, clarity, and trust.
Frequently Asked Questions
Q1. What Does Construction Business Insurance Cover?
Construction business insurance is a collection of policies that collectively protect construction companies against financial losses resulting from job-site-related risks. The insurance in most cases covers liability to third parties, employees’ compensation, commercial vehicle insurance, contractors risk of partial or total building loss, theft or damage to equipment, and sometimes professional indemnity when required. The exact coverage differs by the nature of the work, project size, and contract conditions.
Q2. Is Construction Insurance Required in Texas?
The state of Texas doesn’t require all construction companies to have the same insurance, but in reality, different types of insurance coverage are, to some degree, mandatory. Among the most common insurances is workers’ compensation, which clients and general contractors usually expect to be provided. The insurance that is quite often required is general liability, and it is usually demanded by contracts, lenders, and owners of the project. Some projects may also require builders risk, professional liability, or specific endorsements in order to meet the contractual obligations.
The Texas Department of Insurance provides information on workers’ compensation and employer duties.
Q3. How Much Does Construction Company Insurance Cost?
The cost of construction company insurance depends on several factors, including:
- Type of construction work performed
- Annual revenue and payroll
- Claims history
- Number of employees and subcontractors
- Project values and locations
Because construction risks vary widely, pricing is determined after reviewing your operations rather than using flat rates.
Q4. What Is the Difference Between Builders Risk and Contractors All Risk Insurance?
The builders risk insurance policy usually emphasizes the damage caused by fire, theft, or vandalism to buildings that are being constructed, but the contractors all-risk insurance policy offers protection against all possible risks, including third-party liability. The correct choice for a specific case will vary according to the extent of the project, the wording of the contract, and whether it is required that liability insurance be included in the same policy.
Q5. Do Subcontractors Need Their Own Construction Insurance?
Yes. Certainly. It is common practice for the majority of general contractors to demand that their subcontractors possess their own insurance, and this includes general liability as well as workers’ compensation. In many cases, the general contractor or project owner has to be named as an additional insured party in the subcontractor insurance policy. Coverage for proper subcontractor insurance helps to cut down on differences and gaps in coverage.
Q6. What Insurance Is Required To Get a Certificate of Insurance?
A certificate of insurance reflects active coverage such as general liability, workers’ compensation, or commercial auto. The specific policies and limits required depend on the project contract. TWFG Khan Insurance reviews certificate requests carefully to ensure compliance with contractual and project requirements.
Q7. Does Construction Insurance Cover Completed Work?
Yes. The coverage for completed operations is usually part of the general liability insurance, and it shields the insured from claims that occur even after the completion of the project. This is a critical factor for construction firms that are confronted with allegations of defects or claims for damages to properties soon after the handover.
