What We Cover
North Texas is booming with construction, remodeling, and infrastructure projects. Whether you’re an electrician working residential jobs in McKinney or a general contractor managing commercial builds across Collin County, one liability claim or jobsite injury can shut your business down overnight.
Collin County Insurance Group specializes in protecting every type of contractor — from sole proprietors to large crews — with access to dozens of carriers and specialty markets.
Who Needs Contractors Insurance
If you work in any construction trade, you need proper coverage. A single slip-and-fall at a job site can produce a six-figure liability claim. A stolen trailer full of tools can cost $30,000 to replace. An injured employee without workers comp can sue you directly — with no cap on damages. We insure:
- Artisan contractors — HVAC, electrical, plumbing, painting, carpentry, masonry, flooring, and more
- General contractors and remodelers — residential and commercial project managers
- Roofers — including higher-hazard classifications that many carriers decline
- Custom homebuilders — new construction liability and builders risk
- Pool and spa contractors — specialized commercial packages
- Energy contractors — solar, wind, and traditional energy installation
- Specialty trades — concrete, drywall, insulation, fencing, landscaping hardscapes
What We Cover
Every contractors policy is tailored to your specific trade and risk profile. Common coverages include:
General Liability protects you when a third party is injured or their property is damaged because of your work. This is the foundation of any contractors insurance program and is often required before you can bid on jobs.
Workers Compensation covers medical bills and lost wages when your employees are injured on the job. Texas doesn’t require workers comp for most employers, but going without it exposes you to devastating lawsuits. We also offer Texas Non-Subscription plans that can save 25–30% over traditional workers comp.
Builders Risk covers structures under construction against fire, wind, theft, and vandalism. Essential for any contractor building or renovating structures.
Inland Marine / Contractors Equipment protects your tools, equipment, and materials — whether they’re on a jobsite, in your truck, or in storage.
Commercial Auto covers your work trucks, vans, and trailers. We write everything from single-vehicle artisan operations to multi-truck fleets.
Industries We Serve
We have specialty market access for contractors that standard carriers often decline:
- Roofers and waterproofing contractors (Kinsale, West Congress markets)
- Environmental and pollution remediation contractors
- Heavy equipment operators
- Demolition contractors
- Contractors with prior claims or new ventures
Many contractors lose bids because they can’t produce a certificate of insurance fast enough. We issue certificates the same day — often within hours — so you never miss a deadline.
Why Choose Collin County Insurance Group
Tony Nichols has direct relationships with over a dozen carriers and MGA partners who specialize in contractor risks. Instead of spending days calling multiple agencies, you make one call and we shop your coverage across Combined Group, Philadelphia Insurance, Johnson & Johnson MGA, Hiscox, and more.
We understand the North Texas construction market, know which carriers have appetite for your specific trade, and can often get quotes back within 24–48 hours.
How It Works
- Tell us about your operation — trade, crew size, revenue, subcontractor use, and loss history.
- We shop the market — comparing rates and forms across a dozen carriers simultaneously.
- You pick the best fit — we walk you through coverage differences in plain English, not insurance jargon.
- Certificates in hand — same-day COIs so you can bid on jobs and start work immediately.
Whether you’re a solo electrician or a GC running $5M in annual projects, the process is the same: one call to Tony, and we handle the rest.
Ready to protect your contracting business? Contact us for a free quote today.
