Construction Insurance
Whether you're a General Contractor, Roofing Contractor or any other contractor in the construction industry, in order to work legally in most states you need to have insurance. A General Liability policy protects your business from claims filed by clients or a third party for personal injury or property damage. The construction industry has many unique challenges for you as a contractor and our licensed brokers will find you the right policy at the lowest prices available, with low down payments! We can get your policy and Certificate of Insurance to you in minutes and our agents understand your unique insurance needs.
Such as:
- General Liability
- Workers Compensation
- Excess Liability
- Bonding
- Inland Marine
- Builders Risk
- Automobile Liability
- Contractors Pollution Liability
- Contract Review
Construction Insurance for Texas Contractors
Silva and Sons Insurance Services specializes in coverage for construction contractors across Central Texas, Dallas, Houston, and San Antonio. Construction isn't one of several industries we cover — it's the focus. That means we know where contractors typically get overcharged or underinsured, instead of guessing.
Get a Free QuoteCoverage Built for How Contractors Actually Work
General Liability
The foundation of any contractor's policy. We make sure your GL coverage actually matches your project scope, crew size, and subcontractor use — not a generic small-business template patched over for construction.
Commercial Auto
Trucks, trailers, and job-site vehicles need coverage that reflects how they're actually used. We help you avoid gaps between personal and commercial auto policies that catch contractors off guard.
Workers' Compensation
One of the most common — and most expensive — mistakes we see is labor misclassified under the wrong comp code. A framing crew coded as general labor can mean thousands in overpayment, or a coverage gap if something happens. We check this as part of every review.
Equipment & Inland Marine
If you're renting or transporting equipment between job sites, we help confirm who's actually on the hook if it's damaged or stolen — your policy, the rental company's, or neither.
Certificates of Insurance
If a GC has ever held up a contract over a certificate of insurance not meeting their additional insured requirements, you know how costly that delay is. We turn certificates around same-day for our contractor clients.
Why Contractors Work With Us
We're local.
When a claim hits, you get a person who knows your business — not a national call center reading your file for the first time.
We're independent.
We shop multiple carriers to find the right fit and price for your business, rather than pushing one company's product.
We're specialists.
Construction, plus a small handful of related trades, is what we focus on — so we're not learning your risks on the fly.
We're responsive.
Real example: a client had equipment stolen off a jobsite on a Saturday. They called us directly, and the claim was filed and moving before Monday.
Serving Contractors Across Texas
Central Texas is home base, and we also work with contractor clients across Dallas, Houston, and San Antonio.
Get a Second Opinion on Your Coverage
Even if you're not shopping for new coverage, a quick review often turns up a gap or an overpayment worth fixing. Takes about 10 minutes.