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Insurance for Home Builders
Residential construction can be a very expensive and risky business. A
residential construction business determines its future by how it meets and
overcomes those challenges. At Texans we provide Home Builders with a wide range
of dependable and affordable insurance products and services, aimed at a single
goal – to strengthen the industry as a whole by protecting the individual
builder/contractor. Delivered through strategic partnerships with major
insurance companies, employer organizations and industry associations, our
products are tailored specifically to the unique needs of the construction
professional.
Peace of mind is the sum of comprehensive security. Our selection of programs –
general liability, workers compensation, residential builders risk and more –
is designed to provide member builders/contractors the protection they need to
pursue their visions. By embracing the challenges of the home
builder/contractor, our staff becomes more than simply insurance providers –
they become partners and allies in establishing the future of individual
businesses and the industry as a whole.
Residential Builders Risk
Any new construction project brings with it a wide array of obstacles,
challenges and risks. The professional reputation of a home builder depends on
successfully navigating the countless exposures that can appear during the
course of project construction.
Our residential builders risk programs are designed to provide the flexibility
and reliability that the construction professional needs. We can provide a
comprehensive builders risk solution that covers you in unexpected
circumstances ranging from direct physical loss and material theft to building
collapse and pollution removal.
General Liability
In today's legal landscape, the liability insurance needs of the home building
community are constantly evolving, keeping pace with the rapidly shifting
exposures that come with each new court decision and jury monetary award. We
know that navigating the waters of legal risk isn't always easy.
Unique needs demand specialized and comprehensive security. Our packages can
provide that protection, with options such as:
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Employee benefits liability coverage
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Non-owned and hired automobile liability
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Build/design professional liability
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Broadened pollution liability
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And protection doesn't have to be expensive. Affordable coverage helps
strengthen the home builders’ community as a whole: hundreds of home builders
have realized significant savings since we first began offering coverage.
Workers Compensation
If our extensive experience in Workers Compensation insurance has
taught us anything, it is that the foundation of any business is the safety of
its workers. Home builders need affordable solutions for protecting their most
valuable assets. Unique needs require flexible, effective strategies, and we at
Texans are at the front lines of that effort.
Texans understands the crippling impact that high Workers Compensation premiums
have on the construction industry, the home building community and the
individual builder and contractor. Builders and contractors need solid
coverage, at a price that they can afford, tailored to the demands of their
businesses - a worker’s compensation solution specially designed for the home
builder and contractor.
Property and Inland Marine
Home builders need insurance coverage designed to protect their interests, no
matter the circumstance. We at Texans continue to seek out the finest Property and
Inland Marine programs available to meet those specific needs.
Our Property and Inland Marine coverage programs provide what the individual
home builder requires - a solid foundation of property protection, rooted in
the attention to quality that home builders have come to expect from us. Our
wide range of coverage options helps ensure that no risk is overlooked:
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Care, Custody and Control
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Contractors Equipment and Tool Coverage
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Leased or Rented Construction Equipment
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Contractors Installation Coverage
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Owners and Contractors Protective
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Business needs are as unique as businesses themselves. Property risks, onsite
or in transit, have never been in better hands.
Umbrella Coverage
Risks come in all shapes and sizes, and sometimes standard coverage isn't
enough to adequately protect against an unexpected lawsuit. Our customers need
reliable protection when their risks become headline news. They need a good
umbrella program.
We at Texans know the danger that large liability claims can pose to the
individual home builder. No one expects multimillion-dollar liability
judgments, but they happen. Our quality Commercial Umbrella coverage programs,
by extending the limits of general, business automobile and employers’
liability coverages, are designed to keep our members protected at all times.
With the commitment to quality that home builders expect from Texans, our programs
deliver to their needs: financial strength and security at reasonable prices.
We help provide the additional coverage needed to protect home builders in
today's litigious world.
Contact us today to learn how extended liability protection can make all the
difference.
Commercial Auto
The business of any home builder hinges on transportation: construction
materials, papers and personnel all need to be moved to and from worksites. An
accident can happen at any time, for any reason, and inadequate protection can
lead to catastrophic financial consequences.
Whether our members need to protect fleets or just a few vehicles, we at Texans
have just the cost-effective business automobile program for your needs. Our
extensive array of coverage options include:
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Owned and non-owned vehicles
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Physical damage
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Lease gap coverage
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Airbag coverage
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Glass repair
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Vehicles don't have to be liabilities. Our customers take their businesses on
the road with peace of mind – knowing that they're protected by the insurance
agency that they've trusted with their coverage since 1988.
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