The Importance of Having the Right Texas Contractors Insurance

The Importance of Having the Right Texas Contractors Insurance

To all of you contractors out there, the rest of us owe a lot to your hard work and craftsmanship. From plumbers to electricians to those of you who build our homes, you all make a mark on the world around you. Without you, our lives would not be the same, and neither would our state. You help make Texas what it is, project by project. 

Since the unexpected can come up at any given moment, having the right Texas contractors insurance is an invaluable asset to you and your business. You are careful and conscientious, but unforeseen issues can still blindside you when you are not prepared. Don’t let catastrophes catch you off guard; have the right insurance coverage to safeguard your Texas business.

Coverage That Helps Safeguard Your Area of Expertise


  • Residential contractors insurance is the coverage you need if you build Texas homes! Having the right liability coverage is important for you, since there are many mishaps and accidents that can occur at a building site. Don’t leave your business vulnerable to issues that can come up at your site – instead, have the insurance policy that has your back in unpleasant scenarios. 

  • Texas artisan contractors insurance covers plumbers, electricians, carpenters, among other artisan contractors. Even when you are very careful and thorough, accidents can still happen and you can find yourself in a sticky lawsuit. You want to have the coverage that can help you take care of the business you have poured so much into, so don’t allow yourself to be caught unawares should an issue come up. Being prepared is the way to go, and you deserve the peace of mind that comes with knowing you have taken steps to protect your business.

  • Marine liability insurance is the coverage you need if you you are a marine contractor. There you are, out in our Texas waters, handling expensive, heavy-duty machinery. When accidents of that caliber occur, it can cause extensive damage and you don’t want to find yourself dealing with those costs and the legal issues that come with it. While accidents happen from time to time, having the right insurance coverage can help you deal with it and can save you a lot of money and frustration. 

When you have the insurance protection your contractor business needs in order to thrive, you can move forward and be confident in the fact that you have initiated measures to take care of your contracting business needs. We all need a helping hand at one time or another, so don’t be afraid to look for the Texas contractors insurance coverage that fits your particular business. It can make a huge difference in the long run. 

Another thing to consider is Texas commercial umbrella insurance, which can give you extra coverage in case of an unusually large claim. For example, if you are a residential contractor and a large amount of damage takes place at your building site, your regular policy may cover only a portion of it. That’s when commercial umbrella insurance kicks into play – it covers the amount not included in your regular policy. Your situation is unique and so are your insurance needs – don’t settle for less than the right coverage for you and your business. 

Protecting Your Texas Business With the Right Texas Contractors Insurance

There will always be unexpected issues that arise at the most inopportune times, but you do not have to fear the unknown when you are ready to handle whatever situations present themselves in the future. Talk with your Patterson Insurance agent about the coverage you need to protect your Texas contractors business so that it is set up to thrive for years to come. You can have close-to-home help from an agent who understands your specific needs – and that can be an invaluable asset for your business. While no one knows what tomorrow will bring your way, your agent can help you safeguard your business from the unforeseen!  


The world depends on good contractors, here at Patterson Insurance, we believe that you deserve the coverage that can help you protect what you have worked so hard to build. Call our Carthage team at (903) 693-3831 or our Seven Points team at (903) 432-2436; contact us today so that we can help you find the contractors insurance that best fits your Texas business!

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