Artisan Contractor Insurance
We've Been On Your Side of the Table.
Before George Lieck ever wrote an insurance policy, he spent 34 years in construction — twelve years in the trades, then 22 more founding and running his own construction company. He's priced the jobs, carried the tools, hired the subs, and worried about the same risks you worry about. Now he puts that experience to work for contractors: translating what you actually do on the job site into coverage that actually protects it — then shopping the carriers we represent for the right combination of protection and price.
Multiple carriers · Local Texas agency · A former contractor who speaks your language
Who Needs Contractor Insurance?
If you're self-employed or run a small crew, you need contractor insurance to protect against liability, property damage, and accidents — even if your work seems low-risk. We work with:
If your clients require proof of insurance before you start work — and most do — we'll get you a certificate of insurance fast, so you stay on the job without delays. Don't see your trade? Tell us what you do — if you work with your hands, this is your page.
What's Inside Your General Liability Policy?
General liability is the foundation of every contractor's insurance program. But most contractors couldn't tell you what's actually inside theirs. Here's what a well-built GL policy covers — in plain English:
- 1
Bodily Injury & Property Damage
If a ladder falls on a client's truck or a flood traces back to a pipe you installed, this is the coverage that responds.
- 2
Completed Operations
Your exposure doesn't end when you clean up the job site. If a problem shows up a year after the work is done, completed operations coverage means you're not standing there alone.
- 3
Products Liability
If a claim ever traces back to materials, parts, or an installation you provided, this is what responds.
- 4
Advertising & Personal Injury
The coverage most contractors never think about — claims tied to libel, slander, or copyright issues in your advertising and marketing.
What About Your Truck, Trailer, and Tools?
Your personal auto policy stops at the job site. Work trucks, service vehicles, and the trailer behind them need commercial auto coverage — and the tools inside need their own protection. A tools and equipment policy (sometimes called an inland marine or tools floater) covers theft from a job site or truck, damage in transit, and equipment breakdown — protecting the investment sitting in your truck bed right now.
Should You Bundle Coverage in a BOP?
In most cases, yes. A Business Owner's Policy bundles general liability with your business property and business income coverage — usually at a better price than buying them separately. A BOP makes the most sense if you have a shop, office, or storage space, or equipment worth protecting. But it isn't right for everyone — some contractors are better served by standalone coverage. We'll look at how you actually operate and tell you honestly which direction makes more sense.
Workers' Comp in Texas: What Contractors Actually Need to Know
Texas doesn't require workers' compensation for most employers — but here's the reality: many general contractors won't let you on their job site without it, and a single injury claim can end a small contracting business. We'll walk you through your actual options — subscriber, nonsubscriber, or occupational accident coverage — and what each one really means for your crew, your contracts, and your risk. No scare tactics, just straight answers.
Before We Quote, We Want to Know How You Work.
A generic application gets you a generic policy. These are the questions that make the difference between a policy that responds and one that leaves you hanging:
- Who do you work for — homeowners, general contractors, commercial clients?
- Do you pull your own permits, or work under someone else's?
- Do you sub out any of your work, or is it all in-house?
- Where do your tools and equipment live overnight — job site, truck, or shop?
- Do you drive the work truck on weekends?
- Are you the only one on the payroll, or is there a crew?
If your current agent has never asked you these questions, you're probably paying for the wrong policy.
Why Contractors Choose Lieck Insurance Agency?
34 Years of Construction Experience.
We understand your business because we've been in the business.
For more than three decades, we've worked in construction. We understand job sites, subcontractors, equipment, contracts, deadlines, and the risks contractors deal with every day.
We Understand Contractor Insurance Requirements.
Certificates, additional insureds, waivers and contract requirements can get complicated.
We understand the insurance requirements contractors commonly face and can help make sure your coverage is structured to meet the needs of your business and the jobs you take on.
Local. Independent. Easy to Reach.
When you need something, you shouldn't have to chase down your insurance agent.
We're a local New Braunfels agency with access to multiple carriers—and when you call, you get a real person who knows your business and is ready to help.