Business Details
Trusted Home Builders Insurance in Texas
Home Builders Insurance Services (HBIS) has been serving Texas home builders for over four decades with comprehensive insurance solutions tailored to the construction industry. Our team combines deep expertise in builders' risk, general liability, and workers' compensation insurance with a commitment to personalized service. We prioritize understanding each client's unique needs to deliver flexible coverage options and competitive rates. Our Texas-based staff emphasizes transparency, responsiveness, and accessibility, ensuring clients receive timely support during both routine operations and critical claims.HBIS represents A-rated carriers while avoiding policies with restrictive exclusions like the 2294 clause. We offer customizable quoting methods, including instant online forms and on-site assessments, to accommodate busy builders' schedules. Our equipment coverage extends beyond standard policies to protect tools, trailers, and leased equipment. With a proven track record of client retention and industry recognition through multiple home builder associations, we focus on safeguarding both business assets and personal investments through proper commercial auto insurance guidance.
Services
Builders Risk
General Liability
Workers Compensation
Auto Insurance
Professional Liability
Equipment Coverage
Highlights and features
- We offer 40 years of specialized experience in Texas home builder insurance
- Our customizable quoting options accommodate busy construction schedules
- We represent A-rated insurance companies with competitive market rates
- We avoid policies containing the 2294 exclusion for subcontractor work damage
- Our Texas-friendly staff provides accessible, responsive client support
Services
Builders Risk
Our Builders Risk programs provide flexible coverage for residential and small commercial construction projects. They protect existing inventory, model homes, construction trailers, and new builds with customizable options including single-shot policies, monthly reporting, and annual sales programs. This coverage adapts to project timelines while offering pro-rata refunds for early completions.
General Liability
This essential coverage protects against third-party claims for property damage and bodily injury occurring on construction sites. It covers legal defense costs, settlements, and extends protection to completed operations and subcontractor-performed work. We specifically avoid policies containing the 2294 exclusion that limits subcontractor-related coverage.
Workers Compensation
Our Workers Compensation policies provide medical treatment, income replacement, and death benefits for work-related injuries. Coverage extends to both employees and owner-contractors, including four benefit categories: income, medical, death, and burial. We also provide DWC83 waiver documentation support for subcontractor management.
Commercial Auto
Designed for contractor vehicles titled under personal names, this coverage fills gaps in personal auto policies. It protects against business-use exposures during job site commutes and equipment transportation, safeguarding personal assets from liability claims arising from work-related vehicle accidents.
Equipment Coverage
This specialized policy covers hand tools, construction equipment, trailers, and leased machinery against damage or loss. Starting at $500 annually, it extends beyond standard equipment policies to include employee-owned and borrowed tools, providing essential protection for contractors' operational assets.
Questions
What types of insurance do you offer for home builders?
We provide Builders Risk, General Liability, Workers Compensation, Commercial Auto, Professional Liability, and Equipment Coverage specifically tailored for Texas home builders.
How does your Builders Risk policy work for variable-length projects?
Our Single Shot policies cover projects with uncertain timelines, offering pro-rata refunds when completed early, while Monthly Reporting programs charge only for active months.
Why is commercial auto insurance important for contractors?
Personal auto policies often exclude business use coverage. Our commercial auto insurance protects work vehicles titled in personal names during job-related activities.
What makes your General Liability coverage different?
We avoid policies with 2294 exclusions, ensuring full coverage for subcontractor-related work damage through A-rated carrier partnerships.
How can I get a quick insurance quote?
Complete our online form for instant Builders Risk quotes or schedule an on-site assessment for comprehensive coverage evaluation.
Do you offer specialized coverage for construction equipment?
Yes, our Equipment Coverage protects hand tools, trailers, leased equipment, and employee-owned tools starting at $500 annually.
