Texas

Certificate of insurance tracking for Texas contractors

Short answer

Texas is unusual: most private employers may choose not to carry workers’ compensation, so a missing workers’ comp certificate does not always mean a sub is in violation, but it does change your risk. We track certificates for Texas general contractors and explain the state rules that shape what you should require.

Written by Liam · CertChase · Last reviewed October 3, 2026

In this section

01Texas guideTexas sub insurance requirementsWhat insurance Texas GCs typically require from subcontractors, and the state rules behind it. Includes an editable requirements builder.02Texas guideTexas workers’ comp verificationTexas lets most private employers skip workers’ comp. Learn how to tell if a sub is covered, what proof to ask for and where to verify.03Texas guideTexas additional insured and indemnityTexas limits how construction contracts can shift liability. What GCs should know about additional insured and indemnity, and what to confirm with counsel.04Houston, TexasHoustonHouston general contractors: we collect and chase subcontractor certificates of insurance so expired coverage never reaches the job site.

Coming next

We build a page only when we can add something useful for that place or segment.

Dallas–Fort WorthTesting local demand
AustinTesting local demand
San AntonioTesting local demand

Why Texas needs its own approach

Three things set Texas apart: workers’ compensation is optional for most private employers, construction contracts are subject to the state’s anti-indemnity statute, and public-work projects carry their own coverage rules. Each affects which certificates you should ask for, and what a “missing” certificate really means.

Not legal or insurance advice. Statutes change and contracts differ. Verify against the primary source (linked or named) and talk to your broker or attorney before relying on this.

Where do we serve in Texas?

Houston is our first city page. We will add Dallas–Fort Worth, Austin and San Antonio only when each has passed a local search check and we can add city-specific guidance. See the “coming next” list below.

Frequently asked questions

Do Texas contractors need workers’ comp certificates from subs?

Most private employers in Texas may opt out of workers’ compensation, so a sub without it is not automatically non-compliant. But on public projects, state law requires coverage, and many private owners and GCs contractually require it. Your contract and your broker decide what you require.

Which pages should Texas GCs read first?

Start with the subcontractor insurance requirements guide, then workers’ comp verification, then additional insured and indemnity rules.

Keep reading

01Texas guideTexas sub insurance requirementsWhat insurance Texas GCs typically require from subcontractors, and the state rules behind it. Includes an editable requirements builder.02Houston, TexasHoustonHouston general contractors: we collect and chase subcontractor certificates of insurance so expired coverage never reaches the job site.

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