What general liability limits do Houston contractors usually see?
Many jobs request $1 million per occurrence and $2 million aggregate, but the contract controls the request. Send the exact wording so Argo can review the insurance portion.
Houston contractor GL
Houston Contractor General Liability Requirements
Houston contractor general liability guide for job-site COIs, additional insured wording, waiver requests, limits, trade details, commercial auto, and proof deadlines.
Best next step
Most Houston contractor proof requests start with general liability, but the accepted COI depends on the contract wording. Send the trade, job location, certificate holder, required limits, additional insured or waiver language, job start date, payroll, revenue, subs, vehicles, and deadline before buying only by price.
Houston contractor bidding or starting a job
GC, property manager, landlord, or client requested proof
COI wording includes additional insured, waiver, or special limits
Trade uses vehicles, employees, subs, tools, or equipment
What to send first
Trade and exact work performed
Contract, bid, lease, or certificate wording
Certificate holder name and delivery email
Required limits, additional insured, waiver, and primary wording
Payroll, revenue, subcontractors, vehicles, tools, and job deadline
Avoid delays
!Buying a cheap GL policy before checking the wording
!Assuming a certificate alone adds additional insured status
!Leaving out subcontractor or vehicle exposure
!Waiting until the crew is scheduled to request proof
!Ignoring workers comp, tools, or commercial auto requirements
Need help now?
Start with a short request.
Send the basics online or call Argo. An agent can ask for any additional details after you start.
Does a COI automatically satisfy additional insured wording?
No. A certificate is proof of coverage. Additional insured, waiver, or primary/noncontributory wording must be supported by the policy and endorsement rules.
What should I send for a faster contractor GL quote?
Send the trade, job location, certificate holder, required limits, additional insured or waiver wording, job start date, payroll, revenue, subcontractors, vehicles, and deadline.
Does Argo handle contract or legal advice?
No. Argo handles the insurance review and proof path only. Contract interpretation or legal advice should come from the right professional.