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Contractors
Texans can design a policy around the needs of your business. Important liability
coverages can be built in, and you can tailor your protection from a selection
of optional coverages. With Texans’s outstanding service a phone call away, you
can be assured you have chosen the best insurance value available.
Key Coverages Available for Contractors
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General Liability—provides coverage for damages legally owed to others as a
result of your business operations. Limits of liability are available to cover
claims of the following:
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Bodily injury
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Property damage
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Personal and advertising injury
Voluntary Property Damage Liability—provides coverage for damages, for which
you are legally liable, to property in your care, custody and control.
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Tenants’ Property Damage Liability—provides property damage coverage, for which
you are legally liable, to premises rented to you.
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Aggregate Limit per Project—allows the General Aggregate Limit to apply
separately to each project.
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Employee Benefit Liability—covers you for financial loss related to private
employee benefit programs due to administrator’s errors and omissions.
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Nonowned/Hired Auto Liability—covers you for exposures due to nonowned or hired
commercial autos when no other auto policy exists.
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Sewer or Drain Backup—provides coverage for damage caused by water that backs
up from a sewer, drain, or sump.
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Extra Expense—provides coverage for extra expenses incurred during restoration
of your business after a covered loss.
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Employee Dishonesty—provides coverage for loss of your business property and
money and securities caused by dishonest acts committed by your employees.
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Money and Securities Theft—coverage is available for the theft, disappearance
and destruction of money and securities on and off the premises.
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Tools and Equipment—coverage for tools can be added to your policy, as well as
coverage for employees’ tools.
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Leased Tools and Equipment—provides coverage for equipment or tools that are
leased or rented for no more than 30 days.
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Computer Coverage—provides coverage for your minicomputer hardware and software
due to a covered cause of loss. Higher limits, and coverage for damage due to
hazards such as flood, earthquake and mechanical breakdown, may also be
purchased.
Consider These Options for Additional Protection
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Catastrophe Liability—to help protect your business from the kind of lawsuits
that can devastate a company
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Equipment Breakdown—covers your equipment for loss due to certain damage which
is often not covered by property insurance, warrantees or maintenance contracts
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Commercial Auto—if your business has vehicles, we can insure them properly
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Workers’ Compensation—coverage available in those states without mandatory
plans
Value for Your Insurance Dollar
Texans offers quality protection that represents a great value. This includes:
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Quality coverage—designed with your company’s needs in mind
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A broad range of property and liability coverages designed to protect
businesses like yours
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Options to tailor your coverage and add higher limits that reflect the unique
insurance needs of your business
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Top-notch claims service—for those times when your business requires help
Important Notice
Coverage statements shown are simplified descriptions only. The full and exact
contract is contained only in the policy. Eligible classes of businesses are
limited.
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