Texas business insurance
HVAC Contractor Insurance in Texas
Service calls, changeouts, new installs. Your insurance should fit the jobs you take on. Our Madisonville team can help you sort out coverage for your HVAC business, from the tools in your van to the crew on the job, and request a quote.
Your work. Your vehicles. Your crew.
What insurance does an HVAC business need?
A service van, a set of tools, a crew and a full schedule all need more than one kind of protection. HVAC contractor insurance brings those coverage questions together. Start with the jobs you do and what could go wrong along the way.
At the job site
General liability
A ladder damages a customer’s flooring, or someone trips over your equipment. General liability can help with covered claims for bodily injury or damage to other people’s property. Limits and exclusions matter, including those for the property you are working on.
Explore general liabilityAfter the job is done
Completed operations
A condensate drain connection leaks after a changeout and damages a customer’s ceiling. Products/completed-operations coverage is commonly part of general liability. It may cover resulting damage, but it is not a warranty to fix your installation.
Between calls
Commercial auto
Your service van is in a wreck on the way to a call. Review liability for injuries or damage to others, plus physical damage coverage for the van itself. Include who drives, who owns each vehicle, and whether employees use their own trucks for parts runs.
Explore commercial autoIn the van and on site
Tools and equipment
Gauges, vacuum pumps, recovery machines and other tools go wherever the job takes you. Equipment coverage can address certain losses away from your shop. Check theft and overnight-storage conditions, deductibles, and whether rented or employee-owned tools are included.
For your crew
Workers’ compensation
An employee is hurt while lifting a unit or working in an attic. Workers’ compensation can pay covered medical expenses and a portion of lost wages. Most Texas private employers can choose whether to carry it; government construction work and contracts can change the requirement.
Explore workers’ compensationBack at the shop
Property and business income
A covered fire damages your shop, stock or office equipment. Commercial property can help with covered physical losses. Business income coverage may help with lost income and continuing expenses during a covered interruption, subject to its triggers and restoration period.
Explore property and business incomeThe license minimum
Texas HVAC insurance requirements
Texas licenses air conditioning and refrigeration contractors through TDLR. The commercial general liability minimum depends on whether you hold a Class A or Class B contractor license. These are licensing minimums, not a complete insurance program or a recommended limit for every business.
TDLR: contractor license and insurance requirementsClass A
- Per occurrence: bodily injury and property damage
- $300,000
- Aggregate: bodily injury and property damage
- $600,000
- Aggregate: products and completed operations
- $300,000
Class B
- Per occurrence: bodily injury and property damage
- $100,000
- Aggregate: bodily injury and property damage
- $200,000
- Aggregate: products and completed operations
- $100,000
A customer or general contractor may require higher limits or additional endorsements. Your vehicles, tools and employees are separate coverage questions. A contractor with an insurance waiver cannot perform or offer air conditioning and refrigeration contracting to the general public while the waiver applies. TDLR waiver guidance
When a customer asks for proof
Need a certificate for the next job?
A general contractor or property manager asks for a COI before you start. Send us their insurance requirements so we can help you check what your policy provides and what may need to be added.
Certificate of insurance (COI)
A certificate summarizes existing coverage and limits. It does not change the policy or create coverage that is not there. Confirm the business name, dates and limits shown match the actual policy.
Additional insured
A property owner or general contractor may ask for protection under your liability policy for certain claims involving your work. That protection depends on the policy and endorsements. Listing someone as a certificate holder does not make them an additional insured.
Limits and endorsements
Higher limits, completed-operations requirements, a waiver of subrogation or other contract terms need a separate check. An insurer must offer and approve the relevant coverage; a certificate cannot supply it on its own.
Compare the whole quote
How much does HVAC contractor insurance cost?
Service and repair, system changeouts, new construction and commercial refrigeration can mean different insurance needs. Your price also depends on your sales, payroll, use of subs, service vehicles, tool values and past claims.
Compare the whole package. A general liability price alone does not tell you the cost of protecting your vans, tools or crew. Matching the details below makes differences between quotes easier to understand.
The same work
Include your mix of service calls, maintenance, changeouts, new installs and refrigeration work, plus any work you sub out.
The same limits
Compare occurrence and aggregate limits, completed operations, and any limits a job contract requires.
The same trucks, tools and shop
Match the vehicles, tools, equipment, parts inventory and shop included in each quote. Check how the policy values a loss.
The same terms
Check deductibles, exclusions, endorsements and business income conditions, not just the total premium.
A useful starting point
Get ready for an HVAC insurance quote
Going out on your own, putting another van on the road, or shopping your renewal? Start with what you know about the business. We can help you work through the rest.
- Your workresidential or commercial; service calls, changeouts, new installs or refrigeration
- Your licenseTDLR class, endorsements and business name
- Your crewemployees, payroll and subcontractors
- Your vehiclesservice vans, trucks and who drives them
- Your equipmenttools, recovery machines, parts inventory and where you keep them
- Your current insurancepolicies, loss history and any contract insurance requirements
Call our Madisonville office
Tell us what a typical week looks like: the calls you run, the systems you work on and who goes out on the job. Stover & Crouch is an independent insurance agency in Madisonville. We can help you compare available coverage and request a quote for your HVAC business.
- Tell us about your workDescribe the jobs, vehicles and people that make up your business.
- Review your coverageWe look at current policies and any job requirements with you.
- Compare available optionsConsider the coverage, exclusions and premium together.
- Choose your next stepAsk questions and review the terms before deciding.
Straight answers
HVAC insurance questions
Does the TDLR minimum cover my trucks and tools?
No. The contractor license minimum is for commercial general liability. Review service vehicles and portable tools separately, including items carried in the van. Business auto physical damage protects a covered vehicle; it does not automatically insure all of its contents.
What if an install causes damage after the job is finished?
General liability may help through products/completed-operations coverage when finished work causes covered injury or property damage. Paying to correct the defective installation itself is a different issue and may be excluded. Ask about the completed-operations limit and any exclusions for the work you perform.
Do I need workers’ compensation if I use subcontractors?
Calling someone a subcontractor does not settle their status or your insurance obligations. Tell us how the work is arranged and bring any subcontractor certificates. Most Texas private employers have a choice about workers’ compensation, but workers on governmental building or construction projects must have the required coverage. Your contracts may also require it.
What if I do both service calls and new construction?
Include both when requesting a quote. Tell us how much of your work is residential service, changeouts, commercial jobs or new construction. Include job size, work you sub out and rooftop work. A policy set up for one kind of work may restrict another.
Is commercial refrigeration covered by HVAC insurance?
It depends on the operations and terms accepted by the insurer. Describe the systems you work on and any process cooling, refrigeration or refrigerant-handling work. Your TDLR endorsement and your insurance coverage are separate checks; holding the endorsement does not establish coverage.
Can you help if I’m starting my own HVAC business?
Yes. Start with the work you plan to take on, your license, service vehicle, tools and hiring plans. Estimates are useful when you do not yet have a full year of sales or payroll. We can help you gather the details needed to request a quote; available coverage depends on the business and insurer.
Do you work with HVAC businesses outside Madisonville?
Our office is in Madisonville, and Texas business owners can contact us by phone or online. Tell us where you operate and the kind of work you do so we can discuss the coverage options available to your business.
Coverage references: TDI general liability guide · Texas workers’ compensation
Get an HVAC insurance quote.
Tell us about the jobs you take on, the vehicles you run and the people working with you. Our Madisonville team will help you compare coverage options and request a quote.
A website request does not bind, change, cancel, reinstate, or confirm coverage.