Home builds, occupied renovations or commercial fit-outs. From local permit requirements to the owner’s insurance exhibit, get help sorting the details before work starts. One broker, from quote to renewal.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
Compare coverage and price before you choose
Review coverage as projects, crews and subcontractors change
Texas requirements. One broker to help.
Markets we place through.
Protect the work, the people and everything it takes to get the job done. We’ll help you choose what fits.
Your work
LiabilityHelp protect your business when your work injures someone else or damages their property. Check protection for claims that arise after the job is finished.
Your people
State rulesHelp your crew get medical care and wage benefits after a covered work injury. We help you check state rules and customer requirements.
Your vehicles
On the roadProtect the driving behind the work. Review liability, vehicle damage and the use of hired or employee-owned vehicles separately.
Your equipment
On the jobHelp protect the equipment you depend on. Check how your tools, trailers and rented equipment are covered at the shop, in transit and on the job.
For your next Texas job and the changes after it, you have someone to call.
Texas licensing and customer requirements checked togetherLimits and endorsements explained before you chooseCertificates issued from the policy as writtenHelp resolving the insurance questions holding up a jobTexas licensing and customer requirements checked togetherLimits and endorsements explained before you chooseCertificates issued from the policy as writtenHelp resolving the insurance questions holding up a jobReview coverage as projects, crews and subcontractors changeTell us when you add a new kind of workWe coordinate requested changes with the carrierYour coverage reviewed as the business changesHelp reporting what happened to the carrierYour photos and job details organizedSomeone to call about the next stepFollow-up support while the carrier reviews the claimYour current policy and business changes reviewed togetherAvailable options compared on coverage and priceDifferences explained before you decideStay or switch. The choice is yoursYour license, customer contract and insurance each do a different job. We help you check how they fit together.
Already insured? Send it once. We compare it with today’s options.
What Texas general contractors ask before choosing coverage.
No. Do not use a specialty trade’s licensing minimum as a statewide rule for all general contractors. The electrical business license has its own requirements. A GC needs to check local requirements, any separately licensed work, employee obligations and the owner’s insurance exhibit. Those checks can lead to different limits and policies.
Texas does not require a statewide general contractor license. Local registration and permits can still apply: Austin, for example, requires contractor registration before assignment to a building permit. Electrical, plumbing and mechanical trades have separate licensing rules.
Most private Texas employers can choose whether to carry workers’ compensation. Private employers on government construction projects must provide coverage for employees working on the project. Other contracts and nonsubscriber obligations also need review.
There is no single statewide GC license insurance minimum to apply to every Texas project. Check the city, project owner and contract for the limits and endorsements required for your specific job. Bring the owner’s insurance exhibit before the bid so required limits and endorsements can be compared with the policy.
There is no single price for every Texas contractor. Your work, payroll or revenue, vehicles, claims history and coverage choices affect the quote. Two businesses in the same state can need different protection and pay different amounts. Riza helps compare available options, including limits, exclusions, deductibles and payment terms, so the monthly price is not the only thing you see. Tell us about your business or bring your current policy to start the conversation.
Yes. Bring your current policy and tell us what has changed in the business, whether that is more people, different jobs, new vehicles or a customer asking for higher limits. We help compare available options on coverage and price and explain the differences. You can decide whether to stay or switch. If you change policies, confirm the new coverage is effective before cancelling the old one so you do not create an unintended gap.
Tell us about your Texas business, or bring your current policy. We’ll help you see your options.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET