Texas — General Liability Insurance

No statewide minimum exists — the controlling requirement comes from the specific contract, city registration process, or lender, not a state license mandate.

Yes — TDLR and TSBPE license these trades statewide, and your GL policy's classification should align with that license the same way it would in a licensed state.

General liability coverage and, where applicable, city-level registration are the primary ways Texas contractors demonstrate legitimacy without a state license number to point to.

Not necessarily — many contractor GL policies are auditable against actual revenue or payroll, trued up at audit.

No — GL responds to third-party bodily injury and property damage, not storm damage to your own structure or materials. Named-storm and hurricane exposure on the Gulf Coast falls within the Texas Windstorm Insurance Association's designated catastrophe area and needs to be addressed on the property/builders risk side, not assumed into GL.

The contract's actual written insurance requirements — limits, additional insured wording — not just a certificate holder's name.

Yes — we build Texas general liability programs around the state's actual structure rather than assuming a licensed-state framework applies.

Gleason Insurance Brokers is a Texas-licensed broker, not a single-carrier agent, so general liability insurance in Texas can be shopped across multiple markets rather than one company's terms. Actual turnaround and pricing depend on submission completeness, the scope of your construction projects, and carrier appetite — share your timeline and budget when requesting a quote so we can prioritize accordingly.

General contractor liability insurance (general liability) covers third-party bodily injury and property damage claims from your operations or completed work. In Texas specifically, since there's no statewide GC license setting a floor, the contract itself is usually what actually sets the required limits and endorsements — read it before binding.

The core GL structure is the same across paving, excavation and roofing work, but each carries its own exposure worth describing on the submission — excavation and paving both carry underground/completed-operations exposure, and roofing carries height and hot-work exposure. See our detailed Paving, Excavation and Roofing guides for the trade-specific detail, built from our California program but describing the same underlying exposures.

City registration status, any TDLR or TSBPE license you hold, a 3-year loss run, and your revenue split by project type and metro area — see the submission checklist above.