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No, the state of Texas does not require it as of the time of this answer.
However, most Texas clients are financially savvy and are not likely to offer a contract or even accept a bid from an un-insured contractor.
The first hallmark of a reputable contractor is that they come properly insured for the services being offered by contract bid.
In other words, Your bid proposal should include documentation signifying that you are insured and that your coverage meets any minimum requirements of the bid as proffered.
If your an un-insured contractor, you can't expect serious consideration of your bid. You also might not be invited to bid for that client again in the future. Proper insurance and required coverage limits are generally part of the bid requirement to begin with.
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What kind of insurance policy do I need to start a construction business?
Most states require some form of contractors liability insurance for contractors to operate a business. It is also in the contractors best interest to have liability insurance to protect against any type of problems which may arise during construction. Liability insurance is also a marketing tool which many customers like to see when choosing a contractor.
As an independent sub-contractor are you required to get professional liability insurance?
This depends on a number of things. It's hard to say without knowing what kind of work you are sub-contracting. First determine if you need Professional Liability coverage Or Commercial Liability Coverage. They are very different products. Most General Contractors do require the subs to carry insurance. Otherwise the General Contractor will have to pay much more for insurance coverage that effectively covers his or her own activities as well as those of the sub-contractors. If the General Contractor you are doing work for already has coverage for his subs under their insurance (usually not). What is the nature of your agreement with the General Contractor. Some Contractors insurance policies cover subs while others do not.
Does homeowner insurance cover a contractors mistake?
The contractor should be bonded and carry liability insurance and you need to require proof of this before they start. Homeowners insurance is not meant to guarantee work on homes.
Do home painting contractors have to be certified in the state they work in?
It depends on the state. Some do require certification, others do not; however, at the least you will probably have to have Workmens Compensation Insurance and a Business License. Also, many General Contractors will require you to have a Liability Insurance policy. Yes a contractor must be licensed and insured int he state in whihc they work. Otherwse you are not dealing with a contractor,only someone claiming to be.
Do you need commercial insurance if you install septic tanks and waterlines?
Yes you will need a contractors license and they will require you to have a bond and liability insurance also if you are going to have any employees workers comp.
Why do contractors have a down each year for general liability insurance?
Most policies are for a term of one year. Insurance companies require down payments due to the fact so many contractors cancel their policies soon after they get their coverage certificates. This means they charge down payments to make sure they get enough premium to offset the cost of generating the policy.
Does California require attorneys to have professional liability insurance?
Yes, California does require the attorneys to have professional liability insurance.
Do you need commercial insurance for landscaping The location of the business is in Washington State. What are the laws and regulations for my LLC company?
Yes you need to have your contractors license and the state will require you to have a liability insurance policy and a bond.
Are there any states that do not require Liability Insurance?
No, all states require liability insurance for drivers. There are some states, however, which only require the bare minimum.
What kind of special events would require someone to get liability insurance?
There are many reasons to get liability insurance. All states within the United States require at least liability insurance to drive an automobile. Those in medical professions also get a liability insurance called malpractice insurance.
Is a quality auditor required to have general liability insurance in Texas?
No, there is no legal requirement that you have liability insurance. However, Your clients may require it before they are willing to hire you. Carrying the appropriate license a nd adequate liability insurance for your industry is the first hallmarks of a qualified reputable business.
Do you need to be insured or bonded to clean offices?
It depends on the specific requirements of the office or business you are cleaning for. Some offices may require you to have insurance and bonding for liability and protection purposes. It is advisable to check with the office or business owner to determine if insurance and bonding are necessary.
