Texas Auto Home Insurance specializes in providing construction insurance information to the Texas commercial contractor. We work with artisan contractors and subcontractors from El Paso to Beaumont to anticipate the many dynamics that face each industry type, anticipate the risks and exposure each type of industry faces, and write them a construction insurance policy tailor made to their needs. Our intention is to help you locate the very best rate and to assist in in making the quotation process as seamless as possible without the many complications and hassles of the industry costing you a bid at the last minute of negotiations. Texas construction insurance policies should always give your business what you need, not what the agency you are working with wants to sell you. We recommend taking a “no less and no more” than necessary approach to coverage options, making sure to protect you without costing you an arm and a leg.

The type of business you are in faces its own unique challenges and carries with it a unique set of risks that you must be protected against. Electricians, for example, often find themselves in situations of liability that are much different than the liability issues of a landscaper. Texas Auto Home Insurance explores the needs of each contractor class to be sure the policy meets each individual need.

The cost of your insurance premium is dependent on the level of risk. Details are critical here as we want to know what you haul or if you contract others to haul materials from the site you are working at. Such details will affect your commercial vehicle insurance premium.

You should never have to pay for a risk for which you are not responsible.

It is very important to be candid and above board with your insurance agent about where the vehicle are garaged. Garaging the vehicle at a residence or at the business has a significant impact on commercial construction insurance costs. This is something that so few contractors think can lower their Texas construction insurance premiums, but it actually is very important. This is important and will affect your premium, be open with us concerning all factors of your construction insurance as because have the experience to save you money with all the necessary information.

Roofers and flooring contractors should be aware of some important information that can affect construction insurance rates in Texas.

Flooring contractors need to be sure that the product they install is in excellent condition as injury could result from the inferior product and later involve them even though they only performed the installation.

Roofers must remember that if leaks occur due to their perceived negligence in workmanship, they may face a liability claim due to illness or injury.

All contractors should have Safety processes in place so their employees are aware of safe and acceptable procedures on the client's premises.