Contractors Insurance in Bryan, TX
General liability for Brazos Valley trades — with same-day certificates, additional insured and waiver of subrogation endorsements when a general contractor is waiting on paperwork. Serving Bryan, College Station and the Brazos Valley.
Contractors Insurance in Bryan & College Station
For most trades in the Brazos Valley the insurance conversation starts with a certificate somebody is waiting on. Safenet writes general liability for contractors across Bryan, College Station and the surrounding counties, comparing 50+ carrier partners — and we issue certificates the same day, because we know a job start is usually riding on it.
Most lost jobs are lost on paperwork, not price. A general contractor will not let you on site without a certificate, the right additional insured endorsement and usually a waiver of subrogation. Send us the insurance page of the contract and we will tell you exactly what you need — not more, not less.
What General Liability Covers — and What It Does Not
General liability handles third-party bodily injury and property damage arising from your work. It is the policy every contract asks for, and it is also the one most often assumed to cover more than it does.
- Covered: a client injured on your site, damage to a customer's property, a ladder through a window
- Covered: products and completed operations — damage from work you already finished
- NOT covered: your own tools and equipment — needs contractors equipment coverage
- NOT covered: your vehicles — needs commercial auto
- NOT covered: injuries to your own employees — that is workers compensation
- NOT covered: faulty workmanship itself — GL covers resulting damage, not redoing the work
Contract in hand and not sure what it requires? Send us the insurance page and we will read it with you.
Certificates, Additional Insureds and Getting on Site
Certificate of insurance
Proof of coverage, issued to whoever is asking — the general contractor, the property owner, the city. Same-day in almost every case.
Additional insured
Extends your policy to protect the GC or owner for claims arising out of your work. Required by most commercial contracts, and it must be added by endorsement — a certificate on its own does not create the coverage, and that misunderstanding causes real disputes at claim time.
Waiver of subrogation
Prevents your insurer from pursuing the GC or owner to recover what it paid. Also an endorsement, also commonly required.
Primary and non-contributory
Language many contracts now demand, meaning your policy pays first and does not seek contribution from theirs. Worth checking before you sign.
The Rest of a Contractor's Programme
Contractors equipment and tools
Theft from a truck or a job site is one of the most frequent trade losses, and general liability does nothing for it. Larger items are scheduled individually with blanket coverage for smaller tools.
Commercial auto
Work trucks and vans belong on a commercial auto policy. A personal policy will deny a business-use claim after the fact.
Workers compensation
Optional in Texas, required by most general contractors. Opting out also removes the liability shield comp provides, which means an injured employee can sue you directly with no damage cap.
Commercial umbrella
Sits above your GL and auto limits. Increasingly required on larger commercial work, and inexpensive relative to the limit it buys.
Bonds
Licence, permit and performance bonds are separate from insurance — see our surety bond page or fianzas en español.
Subcontractors and the Audit Surprise
If you hire subs, collect a certificate from every one of them, every time. Uninsured subcontractor payroll is typically charged back to your policy at audit — and the bill arrives long after the job is done and the money is spent. It is the single most avoidable large expense in contracting insurance.
Trades We Write in the Brazos Valley
- Plumbers, electricians, HVAC
- Roofers and siding
- Framing and general carpentry
- Concrete, masonry and flatwork
- Painters and drywall
- Landscaping and irrigation
- Remodelling and handyman services
- Fencing and outdoor construction
- Solar and low-voltage
- General contractors and homebuilders
Need a certificate today? Call the office directly — we can usually issue same day.
Related Commercial Coverage
- Business insurance — BOP, property, business income
- Commercial auto for work trucks and vans
- Trucking insurance for hauling operations
- Surety bonds and title bonds
- Seguro de negocio en español
Contractors Insurance FAQ
What does contractors general liability actually cover?
Third-party bodily injury and property damage arising from your work — a client tripping over your cords, your crew damaging a finished floor, a ladder going through a window. It does not cover your own tools, your own vehicles, or injuries to your own employees. Those are separate policies, and knowing the boundary is the difference between a paid claim and a denied one.
How fast can I get a certificate of insurance?
Usually same day. Most lost jobs are lost on paperwork rather than price, and a general contractor holding up your start over a COI is the most common urgent call we get. Ring the office at 979-823-2626 and say it is for a job start.
What are additional insured and waiver of subrogation?
Additional insured extends your policy to protect the general contractor or property owner for claims arising from your work. Waiver of subrogation stops your insurer pursuing them to recover what it paid. Most commercial contracts require both, and they must be added by endorsement — a certificate alone does not create them.
Are my tools covered by general liability?
No. Tools and equipment need contractors equipment or inland marine coverage, usually scheduled by item above a threshold with blanket coverage for smaller items. Theft from a job site or a truck is one of the most common trade claims and GL does not touch it.
Do I need workers compensation in Texas?
Legally, no — Texas is the only state where private employers may opt out. Practically, most general contractors will not let a subcontractor on site without it, and opting out removes the liability protection comp provides, so an injured worker can sue you directly with no cap. We can quote it either way and explain the trade-off honestly.
What limits do contracts usually require?
$1,000,000 per occurrence / $2,000,000 aggregate is the common requirement in Texas construction contracts, often with a $1,000,000 commercial auto limit alongside. Send us the insurance page of your contract and we will match it exactly.
Do I need coverage for subcontractors I hire?
Yes — and you need certificates from them. If a sub is uninsured, their work is usually charged back to your policy at audit, which can produce a large unexpected premium bill. Collect COIs from every sub, every time.
What is completed operations coverage?
It responds to damage or injury caused by work you have already finished and left. For trades where a defect surfaces months later — roofing, plumbing, electrical — it matters as much as the coverage you carry while on site. Check that your policy includes products/completed operations, not just premises liability.
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