Contractor Insurance in Texas

Texas is unique in that workers' compensation insurance is technically optional for private employers under state law — Texas does not mandate it. However, most general contractors, project owners, and major commercial clients require all contractors and subcontractors to carry workers comp before allowing them on a project. Without workers comp, your business has greater personal liability exposure for employee injuries. We strongly recommend it for any Texas contractor with employees.

Texas does not have a statewide general contractor license, but many specialty trades are licensed at the state level — including electrical (TDLR), plumbing (TSBPE), HVAC (TDLR), and others. Some cities (Austin, Dallas, Houston, San Antonio) also have local contractor registration or licensing requirements. Insurance requirements vary by license type. We can help you understand the requirements for your specific trade and location.

Texas is one of the largest construction markets in the United States. Dallas-Fort Worth, Houston, Austin, and San Antonio are all among the fastest-growing metro areas in the country. Texas has a business-friendly regulatory environment that attracts major industrial, commercial, and residential investment. The state's size means contractors can build substantial businesses without leaving the state.

Yes. Altamira serves Texas contractors statewide, including Houston, Dallas, Fort Worth, Austin, San Antonio, El Paso, Arlington, Corpus Christi, Plano, Lubbock, and all other Texas cities and unincorporated areas. We hold an active Texas insurance license and can bind coverage and issue certificates anywhere in the state.