Specialized Risk & Insurance Programs for Texas and California Trade Contractors
We provide comprehensive Workers' Comp, Fleet, and Liability solutions for Plumbing, HVAC, and Electrical companies. Our agents specialize in contract compliance and risk mitigation to protect your profitability and your people.
Specialized Contractor Risk Programs
We design comprehensive risk programs that address complex liability exposures and high-value fleet protection.
Experience Mod & Claims Advocacy
We don't just sell insurance; we manage your costs. Our team focuses on X-Mod reduction and aggressive claims advocacy to lower your long-term premiums and keep you eligible for major bids.
Contractual Compliance Experts
We ensure your certificates and endorsements meet the rigorous standards of Texas and California’s largest general contractors and developers.
About Contractor Insurance Pros
Specialized Risk Management for Plumbing, HVAC, and Electrical Enterprises.
Serving Contractor Businesses in California & Texas
At Contractor Insurance Pros, we navigate the complex regulatory landscapes of California and Texas so you don't have to. We specialize in the high-stakes needs of mechanical and electrical contractors—from managing multi-state fleet risks to aggressive Workers' Comp claims advocacy. With over 35 years of experience, we don’t just provide a policy; we provide a strategic partnership designed to lower your Experience Mod (X-Mod), ensure contract compliance, and protect your company's long-term profitability.
PRINCIPAL & CONTRACTOR INSURANCE EXPERT
35+ Years of experience
Why Established Trade Enterprises Choose Us
At Contractor Insurance Pros, we know the unique challenges you face on the job. Our team is committed to navigating complex risk landscapes to keep your business protected, whether you’re a general contractor, plumber, electrician, or in any other trade.
Trade Specific Program Design
Experienced Risk Consultants
General Liability & Work Comp Audit Reviews
Safety & Risk Management Resources
testimonials
Reviews from our clients
At Contractor Insurance Pros, we’ve built our reputation by understanding the unique risks that contractors face and providing tailored insurance solutions to protect your business.
We here at Phillips Plywood love working with Jonathan Behr. His team always go the extra mile for us and they are very friendly and easy to work with. We really appreciate how organized and professional they are! Behr Insurance Services has our whole hearted recommendation!!
Margie E.
Jonathan Behr has been our agent of choice for many years, his honesty and commitment to do what is best for us are traits that are hard to find in the world of insurance. I have and will continue to refer anybody that asks me about insurance to Jonathan.
Shawn C.
Jonathan is so helpful and informative. Makes everything easy to understand and is diligent and efficient. I would recommend Behr Insurance to anyone looking for great customer service and fair pricing!
Johnni F.
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insurance Coverage for Plumbers
Insurance Coverage for Plumbers
At Contractor Insurance Pros, we understand the unique risks plumbers face every day. From property damage to on-site accidents, our tailored insurance solutions are designed to protect your business from these common challenges. Whether you operate a small plumbing business or manage a larger team, our coverage options ensure you’re prepared for the unexpected.
insurance Coverage for HVAC Contractos
Insurance Coverage for HVAC Contractors
HVAC contractors encounter specific risks while working with complex heating, ventilation, and air conditioning systems. Contractor Insurance Pros provides comprehensive insurance packages tailored to HVAC businesses, ensuring your tools, equipment, and workforce are fully covered. From liability claims to equipment breakdown, we’ve got your business protected so you can focus on keeping your clients comfortable.
insurance Coverage For Electricians
Insurance Coverage for Electricians
Working with electrical systems presents its own set of hazards, and Contractor Insurance Pros offers specialized coverage to ensure electricians are protected against these risks. From liability insurance to protect against third-party claims to property insurance that protects your tools and equipment, our tailored policies give you the confidence to run your business smoothly and safely.
Frequently Asked Questions About Contractor Insurance Pros
1. What types of insurance do you offer for contractors?
At Contractor Insurance Pros, we offer a wide range of insurance policies tailored to contractors, including:
- General Liability Insurance
- Workers’ Compensation
- Commercial Auto Insurance
- Builder’s Risk Insurance
- Professional Liability Insurance
- Commercial Property Insurance
And more, depending on your trade and state requirements.
2. Do I need contractor-specific insurance?
Yes, contractor-specific insurance is essential for protecting your business against risks unique to your trade. Whether you're a plumber, electrician, or HVAC contractor, having the right coverage ensures you’re protected from accidents, property damage, and legal claims.
3. How does General Liability Insurance protect my business?
General Liability Insurance protects your business from third-party claims of bodily injury, property damage, and advertising injury. This coverage is vital for contractors, as it helps cover legal costs, settlements, and damages if someone is injured on the job or property is damaged during your work.
4. What is the difference between Workers’ Compensation and General Liability Insurance?
Workers' Compensation provides coverage for injuries to your employees while they are on the job, covering medical expenses and lost wages. General Liability, on the other hand, covers third-party claims (non-employees) related to injury or property damage. Both are critical for protecting your business.
5. Can I get insurance if I only operate in Texas or California?
Yes! Contractor Insurance Pros specializes in providing insurance for contractors operating in Texas and California. We understand the specific regulations and requirements for each state, ensuring that you are fully compliant and protected.
6. How do I know what coverage my business needs?
Our experienced team will work with you to assess the unique risks of your trade and business. Based on factors such as the size of your business, the number of employees, the types of projects you handle, and your state’s requirements, we will recommend a tailored insurance plan to cover all potential liabilities.
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