What are the mandatory COI insurance limits for a General Contractor / Commercial Builder in Texas?

Standard general contractors and commercial projects in Texas require $1,000,000 per occurrence, $2,000,000 general aggregate, and $5,000,000 umbrella coverage per Texas Department of Licensing and Regulation (TDLR) guidelines.

Why do general contractors reject ACORD 25 certificates?

The top 3 reasons for certificate rejection are: (1) Missing completed operations additional insured endorsements (CG 20 37), (2) General aggregate limit set below project specifications, and (3) Fatal Action Over or Labor Law 240 exclusion endorsements.

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General Contractor / Commercial Builder COI Requirements in Texas

Verified compliance checklist for subcontractors operating in Texas under Texas Department of Licensing and Regulation (TDLR).

Statutory Policy Minimums

Coverage Type	Mandatory Specification
General Liability (Each Occurrence)	$1,000,000
General Aggregate Limit	$2,000,000
Umbrella / Excess Liability	$5,000,000
Workers' Compensation	Elective (Non-subscriber allowed, but GCs mandate coverage)
Regulatory Oversight	Texas Department of Licensing and Regulation (TDLR)

Mandatory High-Risk Endorsements

Subcontractors in General Contractor / Commercial Builder are routinely exposed to exclusions that leave General Contractors liable. Verify these endorsements are attached:

🛡️ Action Over Exclusion Removed🛡️ Blanket Additional Insured CG 20 10 & CG 20 37🛡️ Per Project Aggregate CG 25 03

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