Texas HVAC Insurance — Fast COI

General liability and workers’ comp for HVAC contractors in Texas. Quote and bind online. Get your certificate the same day.

HVACsSame-Day COIA-Rated Carriers$1M / $2M LimitsMonthly Payments
Get My Quote Online
Per-Job Quote (Thimble)
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Annual policy: NEXT Insurance  ·  Per-job: Thimble  ·  Boerne / San Antonio: 210-640-7050

Coverage for HVAC Contractors

General Liability

Covers bodily injury and property damage to third parties caused by your work. Required on virtually every commercial job, permit pull, or GC subcontract in Texas.

Completed Operations

Protects you after the job is finished. If work you performed causes damage days or weeks later, completed operations responds. Critical for any trade work that touches occupied structures.

Additional Insureds

GCs, property owners, and municipalities will require you to add them to your policy. We handle endorsements so your COI is accepted the first time.

Waiver of Subrogation

Required on most Texas commercial contracts and government work. We add it correctly when your contract requires it.

Workers’ Comp

Required when you have employees. Covers medical bills and lost wages for workers injured on the job. GCs and commercial clients typically require proof before allowing crews on site.

Commercial Auto

Vehicles used for service calls, material hauling, or job-site transport need commercial auto coverage. Personal auto policies exclude business use.

HVAC-Specific Risk

HVAC work involves refrigerants, gas lines, electrical connections, and work inside occupied structures. An improperly installed unit, refrigerant leak, or gas line mistake can result in significant property damage or personal injury claims. Make sure your GL policy covers your full scope — equipment installation, maintenance, and service calls — and includes completed operations at adequate limits.

What Does HVAC Insurance Cost in Texas?

GL Only — Solo
$1,000–$1,800
per year
GL — Small Crew
$1,700–$3,200
per year
Per-Job (Thimble)
$20–$65
per day / job
Workers’ Comp
$4–$9
per $100 payroll

Rates rising in 2025? See what the data shows: 2025 Contractor Insurance Cost Report

Prior claims, subcontractor use, or commercial work scope may affect pricing. Monthly payment options available on most policies.

Who This Is For

Residential HVAC

New installs, replacements, tune-ups, duct work. Most standard residential HVAC contractors qualify for online binding with same-day COI through NEXT or Thimble.

Commercial HVAC

Rooftop units, chiller systems, building automation, and larger commercial HVAC work. GC contracts often require specific endorsements and higher limits — our specialists place these correctly.

Service & Maintenance

Maintenance agreements, filter changes, seasonal tune-ups. Good fit for online binding when operations are standard and claim history is clean.

Refrigeration Specialists

Walk-in cooler and commercial refrigeration work has unique exposure. We know which carriers cover refrigeration work and which exclude it.

How It Works

1

Answer Questions

Trade type, payroll, prior claims. 5 minutes for simple situations.

2

Get Your Quote

Instant pricing from A-rated carriers. Annual through NEXT, per-job through Thimble.

3

Bind & Get COI

Pay online, download your certificate the same day.

Commercial contracts, gas line work, prior claims, or specific endorsement requirements? Use the specialist path for a broader market review and correct COI wording.

Common Questions

Do I need a license to do HVAC work in Texas?
Yes. HVAC contractors in Texas must be licensed through TDLR. Carriers will ask for your license type and number. Licensed contractors with clean records typically receive better rates.
What GL limits do I need for HVAC work in Texas?
Most GCs and commercial projects require $1M per occurrence / $2M aggregate. Some property managers and larger commercial accounts require $2M per occurrence. Check your contract before purchasing.
Can I get covered today for a job starting tomorrow?
Yes — for most standard residential HVAC contractors with no prior claims. Bind online and download your COI immediately. Commercial work with contract-specific wording should go through our specialist path.
Does GL cover damage caused by a refrigerant leak from work I performed?
GL covers property damage to third parties resulting from your operations or completed work. A refrigerant leak that damages a client’s property or causes equipment failure would typically be a covered claim, subject to policy limits and exclusions.
I do both residential and light commercial work — can one policy cover both?
Yes. A single GL policy can cover both residential and commercial HVAC work. Make sure the policy is rated for your full scope of operations — some carriers split residential and commercial separately.

Ready to Get Your COI?

Quote online in minutes or talk to a Texas specialist for complex situations.

Get Quote Online
Per-Job Quote (Thimble)
Talk to a Specialist

Boerne / San Antonio: 210-640-7050  ·  Specializing in TX contractor GL & WC since 2010