How much does General Contractor insurance cost in Houston, Texas?

The estimated annual cost for a General Contractor in Houston with one employee is between $2119 and $3116. The state base rate is $950.

What insurance is required for a General Contractor in Texas?

In Texas, businesses are subject to a 6.3% insurance tax. General Contractors typically need General Liability due to a risk factor of 1.9.

General Contractor Insurance Cost in Houston, Texas (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$2119-$3116

Estimated Annual Premium

Monthly Average Breakdown

$208 / mo

Includes General Liability

Industry Risk Profile

General contractors oversee entire sites, assuming the cumulative risks of subcontractors, structural integrity, and job site safety.

Risk Factor1.9x

Location Factors

State Base Rate$950
Houston Multiplier1.3x
State Tax Rate6.3%

Local Compliance FAQ

Is General Liability required in Houston?

While Texas law may not mandate it for all businesses, General Contractors often need proof of insurance to bid on local commercial projects in Houston.

Why is the rate different here?

Your premium reflects Texas's specific base rate of $950 and a local city multiplier of 1.3x.

Compare General Contractor Insurance in Other Texas Cities

General Contractor in San Antonio General Contractor in Dallas General Contractor in Austin General Contractor in Fort Worth General Contractor in El Paso

How much does General Contractor Insurance cost in Houston?