Commercial · Contractors
Contractor Insurance by State
Watley Insurance Group provides contractor insurance reviews across 8 Southern states. We help contractors understand their actual risk, not just their premium.
States we serve
Louisiana
Coastal weather, flood gaps, and strict workers' comp rules — Louisiana contractors need coverage that matches real exposure.
View Louisiana CoverageTexas
Optional workers' comp by law — but contracts and GCs often require it. We help you see the real exposure.
View Texas CoverageGeorgia
Fast growth in the Atlanta metro and strict COI expectations — Georgia GCs need clarity on limits and subs.
View Georgia CoverageAlabama
Tornado alley exposure, coastal surge, and licensing tied to job size — Alabama work doesn't fit a one-size policy.
View Alabama CoverageArkansas
Low dollar licensing threshold and rural infrastructure work — Arkansas contractors need policies that match real job sites.
View Arkansas CoverageMississippi
Gulf Coast wind and flood, layered codes, and a thinner carrier market — Mississippi needs a deliberate coverage strategy.
View Mississippi CoverageOklahoma
Tornado frequency, oil & gas adjacency, and broad workers' comp rules — Oklahoma exposure stacks fast.
View Oklahoma CoverageTennessee
Construction boom markets, strict construction WC rules, and frequent cross-border jobs — Tennessee needs multi-state aware coverage.
View Tennessee CoverageOur Process
We start with discovery, not assumptions
We review operations, contracts, vehicles, payroll, and equipment
We identify gaps — not just premiums
We design coverage around the business you're building
Related Resources
Explore broader commercial options and industry-specific guidance for general contractors.
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Not a generic quote form. A real review of your coverage, your contracts, and your risk.