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Insurance for Texas HVAC Contractors
HVAC contractors deal with a unique combination of risks — refrigerants, electrical systems, gas lines, heavy equipment, and Texas heat that can put your crew in the hospital. We work with HVAC contractors across the state and know what carriers look for, what GCs require, and how to get you covered without overpaying. Whether you're doing residential service calls or commercial installations, we've got you.
Risks HVAC Face
Refrigerant leaks causing property damage or health issues
Gas line work leading to explosions or carbon monoxide exposure
Employee heat-related injuries working in attics and crawl spaces — this is Texas, it's real
Falls from roofs and ladders during unit installation
Damage to client property during equipment installation or removal
Completed operations — system failures after installation that cause water damage or worse
Coverage HVAC Need
General Liability
Covers property damage and injury claims from your HVAC work.
Workers' Compensation
Covers employee injuries from falls, heat exposure, and equipment accidents.
Commercial Auto
Covers your service trucks and equipment transport.
Tools & Equipment
Protects gauges, recovery machines, and specialized HVAC tools.
Commercial Property
Protects your shop, stored equipment, and refrigerant inventory.
Need Insurance for Your HVAC Business?
We shop multiple carriers to find the best rate for hvac in Texas.
Common Job Requirements
GCs require GL and workers' comp for HVAC subcontractors
EPA certification required for refrigerant handling
Commercial projects may require pollution liability endorsement
Property managers require COIs before service calls
New construction projects require higher coverage limits
Frequently Asked Questions
Get a HVAC Insurance Quote
Tell us about your business and we'll find the best coverage options.
Let's get your coverage figured out.
Submit your info and we'll shop options from multiple carriers. Most quotes come back within one business day.