Business Insurance for Texas Industries—Coverage Built for the Way You Work

Contractor Insurance—Jobsite Ready, COI Fast

Top Risks: 

Jobsite accidents, property damage, equipment loss, liability from subcontractors

Typical Coverage:

  • General Liability
  • Workers’ Compensation
  • Commercial Auto/Fleet
  • Tools & Equipment/Inland Marine
  • Surety Bonds (bid, performance, payment)

Common Needs:

Fast Certificates of Insurance (COIs) for job bids, contract compliance, and site access

Yellow excavator digging near a bridge with silver guardrails and streetlights, two workers.

Restaurant Insurance—Protection for Food & Hospitality

Coffee shop window at night. Tables and chairs inside,

Top Risks: 

Fire, slip-and-fall liability, spoilage, liquor liability, employee injury

Typical Coverage:

  • Business Owners Policy (BOP)
  • Liquor Liability (if applicable)
  • Food Spoilage/Equipment Breakdown
  • Workers’ Compensation
  • Commercial Auto (delivery, catering)

Common Needs:

Lease COIs, vendor contracts, special event coverage

Farm & Ranch Insurance—Coverage for Texas Land & Livestock

Top Risks: 

Weather loss, livestock injury/theft, farm equipment damage, liability from visitors

Typical Coverage:

  • Farm/Ranch Package Policies
  • Dwelling/Property Insurance
  • Equipment/Inland Marine
  • Livestock Coverage
  • General Liability

Common Needs:

Mortgage or loan coverage, COIs for land leases or partnerships

Cowboy on horseback herding horses with a dog, dusty plain, mountains in background, sunny.

Oil & Gas Contractor Insurance—Heavy-Duty Protection for Specialized Risks

Oil pump jack in an open field, sky with clouds overhead.

Top Risks: 

Wellsite accidents, environmental spills, equipment breakdown, third-party liability

Typical Coverage:

  • General Liability
  • Pollution Liability
  • Contractors Equipment
  • Commercial Auto & Trucking
  • Workers’ Compensation

Common Needs:

COIs for contracts, additional insured/waiver endorsements, rapid response on claims

More Texas Industries We Serve

Legacy Insurance Agency also provides tailored insurance programs for:

A black and white icon of a tall building.

Offices & Professional Services

Cash register icon.

Retailers & Stores

Delivery truck with a package and an arrow pointing to the right.

Wholesalers & Distributors

Hand with heart above it.

Churches & Nonprofits

Three people icons, two adults behind, one child in front.

Schools & Daycares

Factory icon with smoke.

Manufacturers

And many more

If your industry isn’t listed, just ask—our team finds the right coverage for almost any Texas business.

Why Legacy? Local Team, Statewide Support

  • Gonzales-based agency—real people, real office, local landmark photos
  • Decades of experience matching coverage to Texas-specific risks
  • Statewide carrier access for unique operations and large/complex accounts
  • Fast, accurate COIs and contract-ready documents

Get Coverage Tailored for Your Industry

Ready to get insurance built around how you actually work? Contact Legacy Insurance Agency for a checklist-based intake and straightforward, expert guidance—no one-size-fits-all policies.