Texas Home Builders & Residential Remodelers Insurance
Underwriting brief for Texas new single-family housing construction (4,514 active Texas establishments across 126 counties). We compare 30+ TDI-admitted and specialty commercial carriers for residential general contractors with fast Certificate of Insurance (COI) turnaround.
Texas Residential General Contractors Market Footprint
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Classification & Compliance Specs
- NAICS Code
- 236115 — New Single-Family Housing Construction
- NCCI Workers' Comp Codes
- 5645 (Carpentry — Detached One- or Two-Family Dwellings), 5606 (Supervisor)
- ISO GL / Coverage Form
- 91580 (Contractors — Executive Supervisors), 91583 (Subcontracted Work)
- Texas Regulator / Spec
- Texas Residential Construction Liability Act (Tex. Prop. Code Ch. 27)
Texas Property Code Ch. 27 (RCLA) governs residential defect claims; builders must also track municipal permit bonds and lender Builders Risk requirements.
Where Residential General Contractors Cluster in Texas
- Harris: 579 firms (12.8% of TX) • 2,852 employees
- Travis: 356 firms (7.9% of TX) • 1,474 employees
- Dallas: 326 firms (7.2% of TX) • 1,739 employees
Primary Loss Exposures
- Copper/appliance theft and wind/hail damage to framing prior to certificate of occupancy.
- Subcontractor foundation, framing, or waterproofing defect claims under Texas RCLA.
- Lender holdbacks when Builders Risk lacks flood, windstorm (coastal), or soft-cost extensions.
Key Endorsements We Verify
- Builders Risk (Course of Construction) naming the construction lender as Mortgagee/Loss Payee
- Subcontracted Work GL (ISO 91583) rated on total sub-cost + executive supervision
- Model Home Contents & Theft of Building Materials endorsement
Residential General Contractors Insurance FAQs
What is the difference between General Liability and Builders Risk for a Texas home builder?
GL covers third-party bodily injury and property damage you cause; Builders Risk is first-party property coverage for the structure under construction against fire, theft, wind, and hail.
Does a 'Paper GC' still need Workers' Compensation in Texas?
While Texas doesn't mandate WC for private residential builds, carrying a minimum-premium 'If Any' WC policy protects you if an uninsured sub's worker is injured and claims statutory employee status.
Do standard Texas builder GL policies exclude tract homes or townhomes?
Many surplus GL policies cap units per subdivision (e.g., 5–10 homes) or exclude townhomes/condos—verify unit-count wording before breaking ground.
Can I bundle Builders Risk and GL for a single spec home?
Yes, we place standalone single-project Builders Risk or reporting-form master Builders Risk alongside annual GL.