Yes, most contractors should carry general liability insurance. It protects your business from costly claims related to property damage, bodily injury, or accidents caused by your work. Many clients and job sites require proof of general liability insurance before allowing contractors to begin work, making it essential for both compliance and peace of mind.

Commercial auto insurance covers vehicles used for business purposes, including work trucks, vans, and equipment-hauling trailers. It helps protect you from financial loss if your vehicle is involved in an accident, causes property damage, or injures someone while being used on the job. It often includes liability, collision, comprehensive, and uninsured motorist coverage options tailored to your needs.

While workers’ compensation insurance is not legally required for most private employers in Texas, that doesn’t mean it's optional from a risk standpoint. If an employee is injured on the job, you could still face a costly lawsuit without this coverage. Workers’ compensation provides financial protection by covering medical expenses and lost wages, and it can also protect your business from legal claims. For Texas contractors, it’s a smart and often essential part of a solid risk management plan.