Contractor Insurance · Houston, TX
Ver en españolContractor Insurance That Gets You on the Job Site
General liability, commercial auto, workers' comp, and same-day certificates, from an agency that speaks your language.
- 30+ carriers compared
- Same-day certificates
- Se habla español
- Walk-ins welcome
Before a general contractor, property manager, or homeowner's association lets you start work, they almost always want proof of insurance. Without it, you lose the job.
Reyna's Insurance Services helps Houston contractors and subcontractors get the right coverage at the right price. We compare 30+ carriers, handle additional insured requests, and issue certificates of insurance quickly, so you can get to work.
Coverage for contractors
General liability
Covers injuries and property damage your work causes to others. Required by most GCs and clients.
Commercial auto
Covers your work truck, van, or trailer. Personal auto policies may deny claims during business use.
Workers' compensation
Covers medical bills and lost wages if an employee is hurt on the job. Often required on commercial jobs.
Tools & equipment
Protects your tools and equipment from theft or damage on the job or in your truck.
Umbrella / excess
Higher liability limits when a contract requires more than your base policy.
Certificates of insurance
Same-day COIs with additional insured and waiver of subrogation when your contract calls for it.
Trades we insure
- General contractors
- Roofing contractors
- Remodeling & handyman
- Painting & drywall
- Electricians & plumbers
- HVAC technicians
- Concrete & masonry
- Landscaping & tree service
Why Houston businesses choose Reyna's
Independent agency
We're not tied to one insurer. We compare 30+ carriers for you.
Bilingual agents
Every agent speaks English and Spanish, so nothing gets lost.
Same-day COIs
Our clients get certificates of insurance fast, so jobs don't wait.
Experience you can trust
Family-owned for 15+ years, with 50+ years of combined agent experience.
Frequently asked questions
My general contractor wants to be an 'additional insured.' What does that mean?+
It means the GC is protected under your general liability policy for claims that come from your work on their project. It's very common, and we can add them and send the certificate of insurance for you, usually the same day.
Do I need workers' comp in Texas?+
Texas doesn't require most private employers to carry workers' compensation, but many general contractors and commercial jobs do require it in their contracts. We'll help you understand your options and what your contracts ask for.
Does my personal truck insurance cover me while I'm working?+
Often it doesn't. If you use your truck to haul tools, materials, or a trailer for your business, a claim during work could be denied on a personal policy. Commercial auto closes that gap.
I'm just starting my business. Can you still help?+
Yes. We work with new contractors every week. Bring your trade, the work you plan to do, and any contract requirements, and we'll find coverage that fits.
Get your free quote
Tell us about your business and a bilingual agent will contact you, usually the same business day.