General liability
Property damage and injury arising from installation and service work.
Business Insurance
HVAC insurance for a trade Texas cannot do without.
Air conditioning is not optional in North Texas, which means peak season is relentless and the consequences of a failed install are immediate.
HVAC contractors carry a combination of exposures that few other trades share: heavy equipment installed at height, refrigerant handling, electrical and gas connections, water from condensate lines, and a customer base that has no tolerance for downtime in July. The insurance programme needs to reflect all of it.
Water, refrigerant and the claims that follow
A blocked or badly run condensate line in an attic air handler will damage the ceiling below it, and in a two-storey home that can mean several rooms. It is one of the most common HVAC liability claims in this region and it arises from installation work rather than equipment failure.
Refrigerant handling brings its own exposure, both environmental and to the people around it. Carriers ask about certification and procedures, and having clear answers usually improves both the terms and the price.
Equipment in transit and on the roof
Rooftop units are expensive, and the riskiest moments in their life are the crane lift and the period after delivery but before installation. Standard property cover does not follow equipment to a job site; installation floater and inland marine cover do.
If you regularly hold customer equipment at your yard, or leave units on site overnight before commissioning, tell us. It changes what needs to be scheduled and is cheap to arrange in advance.
What it covers
The parts of a hvac insurance policy
Completed operations
Failures that appear after commissioning, including water damage from condensate lines.
Tools and equipment
Gauges, recovery machines, vacuum pumps and hand tools, on and off site.
Installation floater
Units in transit and on site before they are installed and handed over.
Workers compensation
For technicians and installers, and usually required on commercial contracts.
Commercial auto
Service vans and flatbeds, plus hired and non-owned exposure.
Working with us
What we do differently
We are an independent agency, so we place your hvac insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Cover units in transit and on site — property cover stops at your premises
- Discuss refrigerant handling and certification; it affects terms and price
- Keep completed operations continuous — condensate claims surface later
- Review limits before peak season, when volume and exposure both rise
Common questions
HVAC Insurance, answered
What insurance does an HVAC company need?
General liability with completed operations, tools and equipment cover, an installation floater for units in transit and on site, commercial auto, and workers compensation for technicians. Commercial contracts often specify limits of their own.
Is water damage from a condensate line covered?
Damage to the customer's property resulting from faulty installation is generally covered by general liability. The cost of correcting your own defective work usually is not, which is the standard boundary across all trades.
Are rooftop units covered while being lifted into place?
Under an installation floater or inland marine policy, generally yes. Standard commercial property cover does not follow equipment to a job site, so this needs arranging specifically.
Does the policy cover refrigerant loss?
It varies by carrier and form. Refrigerant handling is something underwriters ask about, so describe your procedures and certification clearly — it usually helps the terms rather than hurting them.
Can you issue certificates for commercial contracts?
Yes, usually the same day. Send us the contract wording and we will confirm the policy meets it before you commit.
Related cover
Often arranged alongside this
Electrician Insurance
Electrical work carries a fire exposure that outlives the job. Completed operations cover is the section that matters most, and the one worth never letting lapse.
Read morePlumbers Insurance
Plumbing claims are rarely about the pipe. They are about the floors, ceilings and contents the water reached before anyone noticed.
Read moreContractor Insurance
Most contractors do not buy insurance because they want it. They buy it because a general contractor, a client or a city will not let them start without a certificate.
Read moreReady for a hvac insurance quote?
Answer a few questions and one of our agents will come back to you.
Ready for peace of mind?
Let us protect what matters most.