Southgate specialty
Contractors Insurance
Construction risk is layered and unforgiving. We place contractor programs that satisfy owners, lenders and GCs without gutting your margin.
The program
Coverage that answers the question a claim actually asks.
We specialize in Texas contractors: residential and commercial GCs, specialty trades, subcontractors, and those working in the energy and industrial markets. Builders risk, wrap-ups and completed-operations exposure all get addressed up front.
General Liability for Contractors
Classification-correct GL with the additional-insured endorsements GCs and owners demand.
Builders Risk
Project-specific coverage for structures under construction, including materials in transit and storage.
Installation & Contractors Equipment
Tools, heavy equipment and rented gear — on site, in transit, or in the yard.
Subcontractor Default
Protection when a sub walks or fails to perform on a bonded project.
Commercial Auto & Fleet
Pickups, dump trucks, and specialty units with driver qualification support.
Workers' Compensation
Trade-specific programs with accurate class codes and return-to-work strategy.
Complexity breakdown
Where this coverage usually fails — and how we close it.
Completed-operations claims
Limits and endorsements structured years past project close
Wrap-up and OCIP requirements
Programs coordinated with owner-controlled insurance specifications
Subcontracted risk transfer
Certificates and AI endorsements tracked, not just collected
Let's price your contractors insurance.
Answer a few questions and a Houston agent will come back with options — including the markets other agencies don't have access to.