OUR BLOGS
Learn More About Contractor Coverage on Our Blog
We post regularly about liability risks, certificate compliance, policy updates, and tips to reduce your insurance costs as a contractor. Our blog is full of practical insights for New Braunfels business owners — especially those in skilled trades.
Customized Protection for Independent Contractors
From electricians and plumbers to carpenters and landscapers, every contractor faces unique risks on the job. At Miller & Miller Insurance Agency, we specialize in helping New Braunfels contractors secure tailored insurance that protects your business, your reputation, and your livelihood — no matter what trade you're in.
We work with contractors across construction, maintenance, remodeling, design, and more to build coverage that meets both state requirements and client expectations.
Who Needs Contractor Insurance Coverage?
If you’re self-employed or operate a small crew, you need contractors insurance to protect against liability, property damage, or accidents — even if your job seems “low-risk.” We provide policies for:
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Independent general contractors
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Electricians, plumbers, HVAC pros, and roofers
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Painters, flooring installers, and tile contractors
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Handymen and residential remodelers
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Landscapers, tree trimmers, and irrigation specialists
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Independent service professionals like cleaners or tech installers
If your clients require proof of insurance before signing contracts (and most do), we’ll get you a certificate of insurance fast, so you can stay on the job without delays.
Key Liability Coverages for Contractors
A well-structured contractors policy typically includes:
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General Liability Insurance – Covers injuries or damage caused while working on someone else’s property
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Completed Operations Coverage – Protects you after a job is done if the work causes future damage
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Property Damage – Pays for repairs or replacements if something you do damages another person’s property
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Products Liability – Covers claims related to materials, parts, or installations you use
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Advertising & Personal Injury – Protects against libel, slander, or accidental copyright violations
Optional Contract Liability coverage can also protect you in disputes arising from written agreements.
Should You Bundle Coverage in a BOP (Business Owner’s Policy)?
Yes — in most cases. A Business Owner’s Policy (BOP) bundles general liability with other essential protections at a discounted rate. It’s ideal for contractors with a physical location, tools, or equipment to protect.
A BOP may include:
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Commercial Property Insurance – Covers your workshop, office, or storage unit
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Business Income Insurance – Replaces income if you can’t work due to a covered loss
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Commercial Auto Insurance – Covers vehicles used for hauling tools, crew, or materials
We’ll help you decide whether a BOP or standalone coverage makes more sense based on your business size and structure.
Workers Compensation for Contractors
Even if you're a solo contractor, workers comp may be required — and many clients will demand proof of it before you step on-site.
Workers comp helps cover:
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Medical expenses and rehab for work-related injuries
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Lost wages during recovery
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Protection from lawsuits by injured employees or subs
We’ll review your state requirements and subcontractor relationships to ensure you're compliant and protected.
Should You Add Professional Liability (E&O)?
If you offer design, consulting, or recommendations in your work — even informally — you’re at risk for errors and omissions (E&O) claims. E&O protects you if a client claims your advice or design caused them financial loss.
You should seriously consider E&O if:
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You design, spec, or recommend materials or layouts
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You supervise subcontractors
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Your clients rely on your expertise, not just your labor
Why Choose Us for Contractors Insurance in New Braunfels?
We’re not a call center or national brand with a script. We’re local, experienced, and connected with dozens of top-rated carriers that serve Texas contractors. We’ve helped hundreds of tradesmen and independent professionals in New Braunfels secure reliable coverage — and we’ll guide you through every detail, from COI requests to policy renewals.
CONTACT US
Get a Quote for Contractors Insurance Today
Give us a call or head over to our Quotes page and submit a few quick details. We’ll shop the best carriers, explain your options clearly, and help you get the protection you need — without paying for things you don’t.
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