Contractors Insurance in College Station, TX
General liability for College Station trades — with the certificates, additional insured and waiver endorsements that property managers, HOAs and the university require before you can start.
Contractors Insurance in College Station, TX
Contracting in College Station means working for gatekeepers. Property management companies, apartment complexes, HOA boards and the university all maintain vendor requirements, and none of them will let you start without the right certificate on file. Safenet writes general liability for trades across College Station and issues certificates the same day.
Turnover season does not wait. July and August apartment turnover runs to a fixed deadline. If a property manager needs a certificate and an additional insured endorsement before you can start, call the office directly at 979-823-2626 rather than emailing — we will get it issued.
Who Sets the Requirements Here
- Property management companies — vendor packets with set limits and additional insured
- Apartment complexes — turnover, maintenance and make-ready work
- HOA boards in Castlegate, Pebble Creek, Traditions and the newer subdivisions
- General contractors on new construction south and west of town
- The university — institutional vendor requirements, typically stricter
- Homeowners — increasingly asking for proof before letting a trade on the property
What They Will Ask You For
General liability at $1M / $2M
$1,000,000 per occurrence and $2,000,000 aggregate is the standard requirement, frequently with $1,000,000 commercial auto alongside.
Additional insured and waiver of subrogation
Both must be added by endorsement. A certificate alone does not create them — a misunderstanding that causes real disputes when a claim arrives.
Evidence of workers compensation
Optional under Texas law, but most vendor packets require it or a signed waiver. Opting out also removes the liability protection comp provides.
Commercial auto
Work trucks and vans belong on commercial auto, not a personal policy.
Bidding a property management or university contract? Send us the vendor packet and we will price exactly what it requires.
What General Liability Does Not Cover
- Your tools and equipment — needs contractors equipment coverage
- Your vehicles — needs commercial auto
- Injuries to your own employees — workers compensation
- Faulty workmanship itself — GL covers resulting damage, not redoing the work
- Uninsured subcontractors — their payroll gets charged back to you at audit
Trades We Write in College Station
- Plumbing, electrical and HVAC
- Painting, drywall and flooring
- Cleaning, make-ready and turnover crews
- Landscaping and irrigation for complexes and HOAs
- Roofing and siding
- Remodelling, carpentry and handyman
- Fencing, concrete and flatwork
- Pool and outdoor services
- General contractors and homebuilders
Related
- Contractors insurance in Bryan
- Business insurance College Station
- Commercial auto College Station
- Surety bonds College Station
- All insurance in College Station
- Fianzas en español
College Station Contractors FAQ
What limits do College Station property managers require?
Almost always $1,000,000 per occurrence / $2,000,000 aggregate on general liability, plus $1,000,000 commercial auto, with the management company named as additional insured and usually a waiver of subrogation. Send us their vendor packet and we will match it exactly.
How quickly can I get a certificate for an apartment turnover job?
Same day in most cases. Turnover work runs to a hard deadline in July and August and nobody has time to wait on paperwork. Call 979-823-2626 and tell us it is a turnover start.
Do I need coverage to work on university property?
Yes — institutional vendor requirements are typically stricter than private work, often requiring higher limits, additional insured status and evidence of workers compensation. Send us the vendor agreement before you bid so you know what carrying the coverage costs.
I only do small residential jobs. Do I still need general liability?
If you want to work for property managers, HOAs or general contractors, yes — none of them will let you on site without it. And a single claim on a residential job can exceed a year of premium many times over.
Are my tools covered?
Not by general liability. Tools and equipment need contractors equipment or inland marine coverage. Theft from a truck or a job site is among the most common trade claims.
Do I need workers compensation?
Texas does not require it of private employers, but most property managers, HOAs and general contractors will not let a subcontractor on site without it — and opting out removes the liability shield comp provides.
What if I hire subcontractors?
Collect a certificate from every sub, every time. Uninsured subcontractor payroll is normally charged back to your policy at audit, producing a large bill after the job is finished.
Do you work with Spanish-speaking contractors?
Sí. Todo el proceso se puede hacer en español — contáctenos o vea seguro de negocio.
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