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.
Key Risks
- ⚠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
- ⚠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
Required Coverages
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 and Equipment
Protects gauges, recovery machines, and specialized HVAC tools.
Commercial Property
Protects your shop, stored equipment, and refrigerant inventory.
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
Do HVAC contractors need pollution liability?
Refrigerant releases can trigger pollution claims. Some GL policies exclude pollution, so an endorsement or separate policy may be needed — especially for commercial work.
How much does HVAC contractor insurance cost?
General liability for a small HVAC operation typically runs $1,000 to $2,500 per year. Total costs depend on your services, crew size, and vehicle count.