Texas · A job-site limit is a contract
Contractor insurance is a stack: general liability for other people’s injuries and property, inland marine for tools, commercial auto for the truck, and workers’ compensation when someone works for you. A certificate does not add any of those.
General liability pays third-party bodily injury and property damage. It does not rebuild your own shop, pay your medical bills, cover a design error (that is professional liability), or replace workers’ compensation when an employee is hurt on the job. This page will not invent an hour or wage threshold for who counts as an employee. The limit a general contractor writes into the contract is that contract. It is not the Texas auto floor of 30/60/25, and it is not a statute that sets a contractor minimum.
The truck: commercial auto in Texas. What the certificate does and does not do: certificates of insurance. Market pages, not rankings: Attune, USLI, and Texas Mutual. None of those pages promises the class will be written.
