Texas Commercial General Contractors Insurance
Underwriting brief for Texas commercial and institutional building construction (3,501 active Texas establishments across 96 counties). We compare 30+ TDI-admitted and specialty commercial carriers for commercial general contractors with fast Certificate of Insurance (COI) turnaround.
Texas Commercial General Contractors Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 236220 — Commercial and Institutional Building Construction
- NCCI Workers' Comp Codes
- 5606 (Contractor Project Exec), 5403 (Carpentry Commercial)
- ISO GL / Coverage Form
- 91580 (Executive Supervisors), 91585 (Commercial Subcontracted Work)
- Texas Regulator / Spec
- Texas Gov't Code Ch. 2253 (McGregor Act Payment & Performance Bonds)
Texas public works contracts over $25,000 require a Payment Bond and over $100,000 require a Performance Bond under Tex. Gov't Code §2253.021, alongside strict AI/Waiver COIs.
Where Commercial General Contractors Cluster in Texas
- Harris: 627 firms (17.9% of TX) • 10,788 employees
- Dallas: 398 firms (11.4% of TX) • 12,101 employees
- Bexar: 255 firms (7.3% of TX) • 3,680 employees
Primary Loss Exposures
- Multi-party indemnity tenders on occupied retail, medical, and industrial TI buildouts.
- Liquidated damages and soft-cost delays after fire or water loss during finish-out.
- Design-build specification errors excluded by standard Commercial General Liability.
Key Endorsements We Verify
- Blanket Additional Insured (Ongoing + Completed Ops), Primary & Non-Contributory, Waiver of Subrogation
- Per-Project Aggregate endorsement (CG 25 03) for institutional and municipal owners
- Contractors Pollution & Professional Liability (CPPL) for commercial TI & ground-up work
Commercial General Contractors Insurance FAQs
What COI wording do Texas commercial landlords require?
Most Class-A office, retail, and industrial landlords require CG 20 10 + CG 20 37 Additional Insured, Primary & Non-Contributory, Waiver of Subrogation, and a 30-day Notice of Cancellation.
When does a Texas commercial GC need a Performance & Payment Bond?
Under the Texas McGregor Act, public contracts >$25K require a Payment Bond and >$100K require a Performance Bond; private lenders also frequently require them.
Does Commercial GL cover a design-build error by my project manager?
No—standard GL excludes professional services. You need Contractors Professional Liability (E&O) to cover faulty specs or value-engineering errors.
How is Commercial GC General Liability audited?
Carriers audit your annual gross receipts and uninsured subcontractor costs at policy expiration; collecting valid COIs from every sub prevents massive audit bills.