In construction, even well-run jobs can take an unexpected turn, and liability insurance is what stands between a single incident and a serious financial setback. It concerns safeguarding your enterprise if a mishap occurs at the site of the job, after the project has been completed, or during daily operations. TWFG Khan Insurance offers contractor liability insurance, which is specially crafted for contractors, builders, and construction businesses, and is suitable for those who are working throughout Houston, Texas, and nearby regions.
We work with businesses that face real exposure every day. Heavy equipment, third-party foot traffic, subcontractors, tight deadlines, and strict contracts leave little room for error. Generic policies often fail when claims arise. Our approach focuses on how construction actually works, not how it looks on paper.
What Is Construction General Liability Insurance?
Construction general liability insurance will shield your company from claims made by third parties related to the injury of a person, damage to property, and the operation being completed. It is the basic liability insurance for construction companies and is necessary for almost all commercial projects.
This coverage commonly responds to:
- Injuries to clients, visitors, or the public at a jobsite
- Damage to surrounding property caused by construction operations
- Claims that arise after work has been completed
- Legal defense costs related to covered claims
Contractor liability insurance does not cover employee injuries, professional mistakes, or damage to your own equipment. Those risks require additional policies, which we coordinate as part of a complete construction insurance program.
Why Liability Insurance Matters in Construction
Construction sites are dynamic environments. Unexpected incidents can arise even in perfectly managed projects. One claim can be sufficient to postpone a project, put customer interaction under pressure, or jeopardize the flow of money.
Liability insurance for construction businesses helps:
- Protect company assets from lawsuits and settlements
- Meet contract and client insurance requirements
- Reduce financial disruption from unexpected claims
- Support long-term business stability
Liability coverage is mandatory for most contractors. Before any work can proceed, project owners, banks, and general contractors frequently demand particular limits, endorsements, and wording.
Contractor Liability Insurance Tailored to Your Work
Not all construction trades carry the same exposure. A framing contractor faces different risks than a concrete company or design-build firm. TWFG Khan Insurance structures contractor liability insurance around the realities of your trade and project scope.
We evaluate:
- Type of construction work performed
- Use of subcontractors and contractual risk transfer
- Project size, duration, and location
- Claims history and safety practices
Coverage is then placed with carriers experienced in construction risks, not general business insurers unfamiliar with jobsite exposure.
Completed Operations Coverage
Some of the most serious construction claims arise after a project is finished. Completed operations coverage, included within construction general liability insurance, protects against claims alleging bodily injury or property damage caused by completed work.
This coverage is critical for:
- Defect-related claims
- Structural or installation failures
- Property damage discovered after handover
Without adequate completed operations coverage, a contractor may be exposed long after the final invoice is paid.
Meeting Contract and Compliance Requirements
In construction agreements, insurance limits, the status of additional insured parties, waiver of subrogation, and endorsement of certain policies are usually determined. If there is a lack of or wrong coverage, the project may be delayed, or the contract may be broken.
TWFG Khan Insurance reviews:
- Owner and general contractor agreements
- Subcontractor insurance requirements
- Project-specific insurance clauses
We also help align coverage with recognized safety and compliance expectations outlined by organizations such as OSHA and the Texas Department of Insurance.
Why Construction Companies Choose TWFG Khan Insurance
Construction companies choose TWFG Khan Insurance because we deliver construction-focused expertise, fast certificates of insurance, access to A-rated carriers, and liability coverage built around real project risk rather than generic assumptions.
Our clients value:
- Prompt certificate issuance
- Clear explanations without unnecessary jargon
- Coverage that scales as projects change
- Advisors who understand construction contracts
Who We Serve
Our contractor liability insurance solutions support:
- General contractors and developers
- Subcontractors and specialty trades
- Commercial and residential builders
- Project-based and multi-location construction firms
No matter if you are overseeing a single project or several job locations throughout Texas, we tailor the liability insurance so that it will help your business grow, but at the same time, it will not put your business at unnecessary risk.
Insurance That Keeps Pace With Your Business
Running a business today means making decisions under pressure. Costs rise, competition tightens, and risks evolve faster than most policies do. Insurance should not be something you revisit only after a problem appears. It should be reviewed, adjusted, and strengthened as your business grows.
At TWFG Insurance Services, we believe commercial property insurance works best when it is active, not static. We invest time to learn about your business, the nature of your risks, and the best way to ensure your assets without making it more complicated than necessary. No matter if it is contractors, vehicle fleets, restaurants, or service businesses, we aim to provide a suitable coverage that matches your day-to-day life rather than limiting it to your class.
Experience matters, but so does attention. That combination is why thousands of policyholders trust TWFG to protect their livelihood year after year.
Let’s Build the Right Coverage for Your Business
Whether you are reviewing an existing policy or starting from scratch, the right guidance can make a meaningful difference. A short conversation today can help prevent costly gaps tomorrow.
Speak with a TWFG insurance professional to review your coverage, ask questions, or request a quote tailored to your business needs.
Call (512) 252-2618
Email service@twfgservices.com
Serving Pflugerville, Georgetown, Round Rock, and surrounding Texas communities
Insurance is part of your business foundation. Make sure it is strong enough to support what comes next.
Frequently Asked Questions
Q1. What Does Contractor Liability Insurance Cover?
Contractor liability insurance extends its coverage to third-party injuries and claims for property damage, as well as to claims related to finished operations that result from construction activities. Furthermore, it will cover all the legal defense costs incurred in relation to the claims that are under coverage.
Q2. Is Construction General Liability Insurance Required?
Although it is not a legal requirement in every situation, construction general liability insurance is still most of the time asked for by customers, banks, and property owners. Many contracts will not allow the start of the project until proof of insurance is provided.
Q3. Does Liability Insurance Cover Employee Injuries?
No. Employee injuries are covered under workers’ compensation insurance. Liability insurance for construction businesses applies to third-party claims, not injuries to your own employees.
Q4. Does Contractor Liability Insurance Cover Subcontractors?
It is possible that your policy will give some limited coverage. However, it is a common practice that subcontractors will have their own insurance. To minimize the risk, having the right subcontractor insurance and additional insured endorsements in place is a must.
Q5. How Much Does Liability Insurance for a Construction Business Cost?
The expenses differ in accordance with the trade, income, the history of claims, the type of project, and the limits of coverage. Pricing is set by an individual assessment of your operations instead of applying the same or standard rates.
