Hotchkiss Insurance (San Antonio)

Protecting the Alamo City's Builders

Hotchkiss understands the specific liability challenges of the Texas Hill Country and South Texas labor markets. They don't just sell a policy — they act as a proactive risk manager, working with your team to reduce accidents and manage claims before they wreck your premiums.

Their Claims Advocacy is the secret weapon. When a claim is filed, Hotchkiss has their own in-house team to fight for your business, ensuring claims are resolved fairly and your mod stays low. That advocacy directly affects your ability to bid competitively.

The ConstructionPerks Take

We think Hotchkiss Insurance is best for: Active contractors who want a long-term partner to manage their entire risk portfolio and provide real leverage with carriers.

One thing to think about is their thoroughness. They require a deep-dive into your safety protocols and financials during onboarding. Be prepared to be transparent for the best results.

Frequently Asked Questions

How can you help lower my workers' comp costs?

They focus on loss control and claims advocacy to reduce your experience modifier (MOD), the primary driver of workers' comp premiums.

Do you provide bid and performance bonds?

Yes, they have a dedicated surety department helping contractors build and expand bonding capacity for public and private projects.

What trades do you specialize in?

They represent the full spectrum — from residential homebuilders and remodelers to heavy commercial and industrial trade contractors.