The Best Construction Insurance for Texas Contractors & Builders
Job sites are unpredictable. Your coverage shouldn’t be. RPM builds custom construction insurance programs for general contractors, subcontractors, and builders across San Antonio and Texas — so a single incident never puts your business at risk.
Why Contractors Call RPM First
- Construction-specific risk review, not a generic policy
- General liability, workers’ comp, builders risk & bonds under one roof
- Local San Antonio team who knows Texas contract & lien requirements
Insurance That Understands How Construction Actually Works
The construction industry carries some of the highest-risk exposure of any business — job-site injuries, property damage, faulty workmanship claims, equipment theft, and project delays can all threaten your bottom line. Most standard agencies don’t understand the day-to-day realities of a construction business. RPM does. We specialize in contractor insurance and construction risk management, so your coverage is built around how your projects actually run — not a generic, one-size-fits-all policy.
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Types of Construction Insurance Coverage We Offer
Whether you’re a solo subcontractor or a commercial general contractor managing multiple job sites, RPM builds a construction insurance package around your specific trade and project size.
General Liability Insurance
Protects your construction business against third-party bodily injury, property damage, and completed-operations claims on the job site.
Workers’ Compensation
Covers medical costs and lost wages for employees injured on a construction site, and helps meet Texas contract and bonding requirements.
Builders Risk Insurance
Protects a structure under construction or renovation against fire, theft, vandalism, and weather-related loss until the project is complete.
Commercial Auto Insurance
Covers trucks, trailers, and fleet vehicles used to move crews, materials, and equipment between job sites.
Tools & Equipment Coverage
Protects contractor tools, heavy equipment, and materials in transit or stored off-site (inland marine coverage).
Umbrella & Excess Liability
Adds an extra layer of protection above your general liability, auto, and employer’s liability limits for large or high-risk projects.
Contractors Professional Liability
Covers design, specification, and workmanship errors (E&O) for design-build and construction management firms.
Surety & Performance Bonds
Required on many public and private construction contracts to guarantee project completion and subcontractor/supplier payment.
Pollution & Environmental Liability
Covers contamination, mold, or environmental exposures tied to excavation, demolition, or site work.
Suggested alt text: “Types of construction insurance coverage: general liability, builders risk, workers comp, bonds”
Getting Set Up With RPM Is Simple
No jargon, no guesswork — just a clear path to the right construction insurance program for your business.
Assess
We review your projects, contracts, subcontractor agreements, and current coverage to spot gaps.
Compare
As an independent agency, we shop top-rated carriers to find the right fit at a competitive price.
Bind
We put your general liability, workers’ comp, builders risk, and bonding in place as one coordinated program.
Support
We stay on as your risk management partner — helping with certificates, renewals, and claims.
Construction Insurance for Every Trade & Project Type
RPM writes contractor insurance for businesses across the entire construction industry, including:
Frequently Asked Questions About Construction Insurance
What is construction insurance? +
Construction insurance is a package of coverages — typically general liability, workers’ compensation, builders risk, commercial auto, and bonding — designed to protect contractors, builders, and construction firms from the financial risks tied to job-site injuries, property damage, equipment loss, and project delays.
What is the best construction insurance coverage for a general contractor? +
Most general contractors need a combination of general liability, workers’ compensation, commercial auto, and surety bonds at minimum, with builders risk added for active projects and umbrella coverage for larger jobs. The right mix depends on your contract requirements, project size, and subcontractor structure — RPM reviews this with every client before recommending a program.
Do I need builders risk insurance for a renovation or new-build project? +
Yes. Builders risk insurance covers a structure while it’s under construction or renovation, protecting against fire, theft, vandalism, and storm damage until the project reaches completion. Many lenders and property owners require proof of builders risk coverage before work begins.
What’s the difference between construction insurance and a surety bond? +
Insurance protects your business from covered losses, while a surety bond guarantees to a project owner that you’ll complete the contract and pay your subcontractors and suppliers. Many construction contracts — especially public projects — require both insurance and bonding. RPM arranges both together as part of one coordinated program.
How much does contractor insurance cost in Texas? +
Construction insurance costs vary based on your trade, payroll, project volume, claims history, and the coverages you need. Because contracting risk varies so widely by trade, RPM prices each program individually rather than quoting a flat rate — contact us for a free, no-obligation quote.
How do I get the best construction insurance for my company? +
Start by working with an agency that specializes in construction risk rather than a generalist agency. RPM reviews your contracts, project types, and safety practices, then compares top-rated carriers to build a construction insurance program suited to your business — not a generic policy.
Get a Free Construction Insurance Quote Today
Protecting your construction business starts with a risk management partner who understands the trade. RPM Insurance & Risk Management is ready to review your current coverage, identify gaps, and help you find the best construction insurance program for your contracting business in San Antonio and throughout Texas.
Get A Quote Today