Describe your project mix
Share the types of construction you perform, the residential and commercial split, typical contract values, maximum project size, and where work takes place.
Evidence-backed agency comparison
General contractor insurance agencies in Houston
Every agency shown here has first-party evidence of Houston-metro service, explicitly serves general contractors, and explicitly offers general liability. The comparison highlights additional coverages, markets, and services found on the agencies' websites.
qualifying agencies
Acolite Insurance documents the broadest range of distinguishing options here, including texas non-subscriber support, completed-operations/form review, class-code assistance, experience-mod management, hired/non-owned auto, and occupational accident.
The clearest differences are equipment protection, certificate and additional-insured support, pollution coverage, bonds, specialty-market access, and vehicle or worker-injury options. Builder's risk, workers' compensation, commercial auto, and umbrella are commonly documented across the qualified group, so the matrix focuses on seven distinctions that better separate the agencies.
Compare the documented capabilities, then ask each agency how its current markets, underwriting requirements, and policy terms apply to your operation.
| Capability |  Acolite Insurance |  Construction Pros Insurance Services |  TIA-Texas Insurance Agency |  The Summit Insurance Brokerage of Texas |  Baker Insurance |
|---|---|---|---|---|---|
| Core coverage | |||||
| Covers common third-party bodily injury and property damage claims arising from a contractor’s work, subject to the policy’s terms and exclusions. | ✓ | ✓ | ✓ | ✓ | ✓ |
| Provides statutory benefits for employees with work-related injuries or illnesses and can help contractors satisfy client or project requirements. | ✓ | ✓ | ✓ | ✓ | ✓ |
| Covers business-owned vehicles and their liability exposures while contractors travel between offices, job sites, suppliers, and customers. | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adds liability limits above underlying personal policies, which can matter when valuable assets increase the financial stakes of a severe claim. | ✓ | ✓ | ✓ | ✓ | ✓ |
| Protects a building and covered materials during construction or renovation, with terms that vary by project and policy form. | ✓ | ✓ | ✓ | ✓ | ✓ |
| Protects portable tools and contractor equipment that general liability and standard property policies may not adequately cover away from the premises. | ✓ | ✓ | ✓ | ✓ | — |
| Specialty coverage | |||||
| Addresses pollution-related claims that commercial general liability may exclude, including exposures created during contracting work. | ✓ | ✓ | ✓ | — | — |
| Addresses business liability arising from rented vehicles and employees’ personal vehicles when they are used for company business. | ✓ | ✓ | — | — | — |
| Can provide accident benefits for covered workers who are not insured under workers’ compensation, particularly in alternative Texas arrangements. | ✓ | ✓ | — | — | — |
| Markets/placement | |||||
| Provides access to non-admitted insurers for risks that standard carriers may decline, including specialized or higher-hazard contracting operations. | ✓ | ✓ | — | — | — |
| Access to specialty or excess-and-surplus markets matters when higher-hazard work does not fit standard carrier underwriting. | ✓ | ✓ | — | — | — |
| Helps Texas employers evaluate insurance arrangements outside the state workers’ compensation system, including occupational accident and employers’ liability considerations. | ✓ | — | — | — | — |
| Contract and project support | |||||
| Helps contractors collect and verify subcontractor certificates and endorsements against project insurance requirements before work begins. | — | — | — | — | — |
| Helps contractors interpret a project’s insurance requirements and align policies, endorsements, limits, and certificates with contractual obligations. | ✓ | ✓ | — | ✓ | — |
| Reviews whether liability forms preserve appropriate protection for claims arising after contracted work has been completed. | ✓ | — | — | — | — |
| May be required for licenses or contracts and guarantees specified obligations rather than paying ordinary business losses. | — | ✓ | ✓ | — | ✓ |
| Risk-management services | |||||
| Helps assign operations and payroll to appropriate workers’ compensation classifications, which can affect eligibility, audits, and premium. | ✓ | — | — | — | — |
| Helps contractors understand and manage the experience modification factor that can influence workers’ compensation pricing and bid eligibility. | ✓ | — | — | — | — |
✓ indicates explicit support on the agency's website; — means we couldn't verify it. An unverified item may still be available, so confirm current options directly with the agency.
Before requesting quotes
Give each agency the same operating details
Separate payroll from subcontractor costs
Provide employee payroll, subcontractor costs, the trades you subcontract, and how you verify subcontractor insurance. These details can affect classification and underwriting.
Inventory vehicles and tools
List owned, rented, hired, and employee-used vehicles along with tools and equipment values, storage arrangements, and transportation between jobs.
Bring contract requirements
Identify required limits, additional-insured wording, certificates, waivers, primary and noncontributory terms, and any performance or payment bond obligations.
Review exclusions before comparing price
Ask how exclusions, classifications, and endorsements apply to your actual work, subcontractors, project types, pollution exposures, and any higher-risk operations.
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The comparison highlights agencies with enough evidence for a detailed side-by-side review. The directory includes every matching published agency.