Are you a contractor in Texas who depends on your vehicle for work? If you're hauling materials, moving tools, or driving between job sites, your truck or van is more than just transportation—it’s part of your business. But what happens if you get into an accident on the job? Regular auto insurance won’t cover business use. That’s why you need Contractor Auto Insurance Services in Texas.
Driving without the right coverage is a huge risk. Accidents, theft, or even lawsuits can cost you big. A personal auto policy won’t cover work-related use, leaving you open to major losses. Contractor Insurance gives you protection that fits your needs, covering liability, vehicle damage, and even stolen tools.
· Liability Protection – Pays for injuries and damage if you're at fault in an accident.
· Vehicle Damage Coverage – Repairs or replaces your work vehicle.
· Tool and Equipment Protection – Covers work tools stored in your truck.
· Uninsured Motorist Coverage – Protects you if someone without insurance hits you.
· Medical Payments – Helps with medical bills if you or passengers get injured.
With the right policy, you stay covered and focused on your work.
Your business needs more than just vehicle insurance. Job sites, tools, and client work all come with risks. Contractor Insurance Services in Texasprovide coverage beyond the road.
· General Liability – Protects against lawsuits for injuries or property damage.
· Workers’ Compensation – Covers medical bills and lost wages for employees.
· Commercial Property Insurance – Protects your tools, equipment, and business space.
· Professional Liability – Covers claims for work errors or missed deadlines.
· Surety Bonds – Helps you secure contracts by backing your work quality and finances.
No matter your trade—plumbing, electrical, roofing, or general contracting—these coverages keep you financially secure.
Not all businesses need the same coverage. Your trade, vehicles, and risks determine what works best. One policy won’t fit all.
At Firstline Insurance Agency, we build policies just for contractors. Our team helps you find affordable plans with the right protection. Whether you need Contractor Auto Insurance Services in Texas or full business coverage, we’re here to help.
No. Even occasional business use can void your personal policy. If an accident occurs while using your vehicle for work, your claim may be denied. A commercial policy ensures full protection.
Standard auto insurance won’t cover stolen tools. You need an inland marine policy or an add-on to protect your tools and equipment from theft, damage, or loss.
No. Your subcontractors need their own insurance. However, you can require them to have liability coverage and list you as an additional insured to avoid potential legal issues.
Only if you have rental reimbursement coverage. Without it, you’ll have to pay out of pocket for a replacement vehicle while yours is being repaired.
General liability won’t cover delays, but professional liability insurance can help protect you from claims related to mistakes, negligence, or project delays that cost your client money.
Waiting until something goes wrong isn’t an option. The right insurance plan shields you from costly accidents and lawsuits. Firstline Insurance Agency specializes in Contractor Insurance Services in Texas, offering plans built for your needs.
Don’t leave your business unprotected. Get a free quote now. Call us or click below to get started!
We love our customers, so feel free to visit during normal business hours.
5751 Kroger Dr #285, Fort Worth, TX 76244, United States
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