General Contractor Workers' Comp for Texas contractors
Texas general contractors managing multiple crews, subcontractors, and job sites need WC structured for their actual exposure — not a generic employer policy. We place GC-specific WC programs with the right class codes, sub documentation, and audit management to prevent year-end surprises.
What it covers
- Medical and wage replacement for injured GC employees
- Job-site injury coverage across all active Texas projects
- Class codes matched to your actual work type
- Subcontractor payroll documentation to prevent audit inclusion
- Employers' liability (Part Two) protection
- Certificates issued fast for GC job-site requirements
Who it's for
- Texas general contractors with direct-hire employees
- GCs managing subcontractors and specialty crews
- Contractors working on projects that require WC certificates
- Texas GCs with payrolls across multiple trades and class codes
Why CCA
- GC-specific class code structure — not a catch-all general labor code
- Subcontractor exclusion documentation so audits don't include uninsured subs
- Certificate turnaround within 48 hours for urgent job-start requirements
Common questions about general contractor workers' comp
As a GC, your employees are classified by what they actually do — not just 'general contractor.' Supervisors, project managers, framers, finish carpenters, and concrete workers each carry different class codes. We structure the policy by work type so each employee is coded correctly and your audit reflects your actual payroll breakdown.
WC auditors can include subcontractor payroll in your GC policy if those subs don't carry their own WC and provide proof of it. We document your subcontractor WC certificates at policy time so your audit only covers your direct employees.
If your 1099 subs don't carry their own WC, your carrier may view them as covered workers and include them in your audit. The distinction between true independent contractors and misclassified employees matters. We advise on the documentation you need to keep subs out of your policy payroll.
Once the program is bound, most carriers issue certificates within 24–48 hours. For a project starting tomorrow, call us directly at 844-967-5247 — we have markets that can move faster when needed.
Cost depends on your trade, payroll, and loss history. High-hazard trades like roofing pay more than low-hazard trades. We quote your actual situation in about 15 minutes — never a ballpark.
Yes. We write Texas workers' comp for contractors in all 254 counties — Houston, DFW, Austin, San Antonio, West Texas, Gulf Coast, and everywhere in between.
Most Texas WC programs can issue a certificate within 24–48 hours of binding. For urgent situations, call us directly at 844-967-5247.
Often yes. We have admitted and E&S market access for Texas contractors with prior loss history. Bring us your loss run and we'll find a market.
A Texas non-subscriber has opted out of the state WC system. Non-subscribers can design private benefit plans but lose standard employer negligence defenses. Employees can sue without the 'course and scope' burden.
Carriers audit actual payroll by class code at year-end. Wrong codes get corrected, and you owe additional premium if your work was higher-rated than your original estimate. Correct codes from day one prevent audit surprises.
Texas law doesn't require it, but most GC contracts do. We structure WC programs with subcontractor documentation so your payroll doesn't include uninsured sub workers at audit.
Class codes determine your premium rate. Roofing, framing, electrical, and HVAC each carry different rates. Misclassification gets corrected at audit — often with a large additional bill.
Yes — Texas WC covers occupational disease arising from the course and scope of employment, including silica, asbestos, and chemical exposure claims.
Yes. Corporate officers, LLC members, and owners may elect to be excluded from the WC payroll, reducing the premium while keeping employees covered.
Yes. We have specialty market access for Texas roofing, oilfield service, marine, industrial, and other high-hazard trades that standard carriers decline.
Trade type, payroll estimate, employee count, Texas locations, current coverage status, and loss history. A 15-minute call covers everything.
Yes. We structure programs that cover Texas employees when they cross state lines, coordinating coverage across states without gaps.
We provide 2-hour claims response and advocate for your crew throughout the claims process — not just at quote time.
Pair it with related coverage
Ready for a Texas workers' comp quote?
Get a 15-minute quote from specialists who know Texas WC — correct class codes, fast certificates, and honest non-subscriber guidance for all Texas contractor trades.