Commercial Insurance Brokers in Texas

Based in Georgetown and working with contractors and businesses across Texas, from Williamson County and Austin to the rest of the state.

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Insurance Built Around How Texas Contractors Work

Texas works differently from most states. Most private employers can decide whether to carry workers' comp, and the state does not issue a general contractor license. So the insurance you need is often set by your trade license and your contracts, not one statewide rule.

As an independent brokerage, we compare more than 100 carriers to fit coverage to the work you actually do, then get you the certificates you need to start the job.

Coverage for Texas Businesses

Workers' Compensation

Optional for most private Texas employers, but often required by general contractors and required on government building or construction projects.

Non-subscribers must notify employees and the state
File the DWC-005 notice each year between February 1 and April 30
Opting out removes key defenses if an employee sues

General Liability

Licensed Texas trades can have state insurance minimums, and project contracts often ask for more.

TDLR electrical contractors: $300,000 per occurrence, $600,000 aggregate and $300,000 products/completed operations
TDLR Class A A/C contractors: $300,000 / $600,000 / $300,000
TDLR Class B A/C contractors: $100,000 / $200,000 / $100,000

Commercial Auto

Coverage for work trucks, vans and fleets, plus hired and non-owned auto for employees who drive their own vehicles on the job.

Texas minimum liability limits are 30/60/25
Contracts often require higher limits than the state minimum

Bonds and Excess Liability

License and permit bonds, bid, performance and payment bonds, plus excess liability when a contract requires limits above your primary policies.

Should You Opt Out of Workers' Comp in Texas?

Opting out can look like an easy way to save on premium. The tradeoff is that an injured employee can sue your business directly, and Texas law bars you from arguing that the employee was partly at fault, assumed the risk or was hurt by a co-worker's negligence.

It can also cost you work if your general contractors require a workers' comp certificate before you start. Before you decide, compare the premium against your real exposure and the contracts you want to win. We can quote the coverage so you can make that call with real numbers.

Frequently Asked Questions

Do I have to carry workers' comp in Texas?

Most private employers can choose. If you opt out, you must notify your employees and the Texas Division of Workers' Compensation. Contractors on building or construction projects for government entities must have coverage, and many private contracts require it too.

What is a Texas non-subscriber?

A non-subscriber is a Texas employer that chooses not to carry workers' comp. Employers with covered employees file a DWC-005 notice with the state each year between February 1 and April 30, and within 30 days of hiring their first covered employee. They must also notify employees in writing and post the required notice.

Does Texas require a general contractor license?

Texas does not issue a statewide general contractor license, though cities can have their own rules. Trades such as electrical and air conditioning are licensed by the Texas Department of Licensing and Regulation, which sets insurance minimums for those licenses.

Where are you located?

Our office is at 101 Cooperative Way, Ste 510, Georgetown, TX 78626. You can reach Andrew Hallworth directly at (951) 972-8089. Hallworth Insurance Services LLC holds Texas license #3289292.

Related coverage

Official sources

Written by Andrew Hallworth, Hallworth Insurance Services LLC, 101 Cooperative Way, Ste 510, Georgetown, TX 78626. Last reviewed November 2026.

This page is general information, not legal advice. Requirements change and coverage depends on your policy, so confirm the details for your business with us.

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