HVAC Contractor Insurance in Longview, TX

Coverage for installs, service calls, and commercial systems

Residential change-outs, new-construction installs, commercial rooftop packages, walk-in coolers, duct work, and maintenance agreements each carry different exposure. Tell us whether you work on commercial refrigeration, gas furnaces, boilers, or systems above 25 tons, because those details move you between license classes and between insurance classifications.

General liability and completed operations

General liability insurance can address covered bodily injury and property damage claims brought by customers and other third parties, subject to the policy. For heating and air work the common claims are water damage from a condensate line or drain pan, carbon monoxide allegations after furnace work, and damage caused by a unit that fails after installation. Ask how the policy treats resulting damage versus the cost of redoing your own work, and whether there is any pollution or fungi exclusion that could affect a mold claim after a leak.

Commercial auto for service trucks and crane days

Review commercial auto insurance for service vans, pickups, and equipment trailers. Share who drives and whether technicians take trucks home. If you hire a crane for rooftop units, ask about hired and non-owned coverage and what the crane company's contract makes you responsible for.

Equipment, refrigerant, and installed units

Recovery machines, vacuum pumps, gauges, brazing rigs, and condensers waiting to be set are usually covered under an inland marine or contractor's equipment form, not general liability. Compare theft conditions for tools left in trucks and whether equipment at a jobsite, but not yet installed, is covered. Copper theft from staged units is a real East Texas loss.

Technicians, helpers, and subcontractors

Discuss workers' compensation insurance using actual duties and payroll. Attic work in August and rooftop work year-round are the injuries insurers price for. If you use subcontractors for duct work or electrical, confirm they carry their own coverage and name you as additional insured.

Texas ACR contractor insurance requirements by license class

The Texas Department of Licensing and Regulation requires air conditioning and refrigeration contractors to maintain commercial general liability insurance at all times while the license is active, from an insurer authorized in Texas, and to file a certificate of insurance that shows both the license holder and business names. The minimums depend on the license class:

A contractor holding both classes can satisfy both with one policy written at the Class A minimums. Confirm the current figures and the certificate form on the TDLR ACR contractor page. These are license floors, not recommendations: a commercial rooftop fire or a carbon monoxide claim can exceed them, and general contractors routinely require $1,000,000 per occurrence.

Certificates for TDLR, builders, and property managers

Existing clients can request a certificate of insurance. Include the holder's exact name and address, the recipient email, the project or permit reference, and the deadline. Tell us if the certificate is for TDLR so we use the Department's form instead of a standard ACORD 25.

A certificate is evidence of coverage currently in force. It does not add coverage or give the holder rights beyond the policy and its endorsements. See the Texas Department of Insurance certificate FAQs.

Start your HVAC coverage review

Email your renewal date, contact information, a description of your work, and any builder or property-management requirements to greg@gregagency.com, or select Business Insurance on our short quote request form. Please keep Social Security numbers, driver's license numbers, and payment information out of the general form. Requesting a quote does not bind coverage.

What affects an HVAC contractor's premium?

Insurers consider receipts and payroll, the split between residential service, new construction, and commercial work, refrigeration and boiler exposure, subcontractor use, claims history, limits, and deductibles. Commercial refrigeration, work on buildings over three stories, and any gas-piping work can change classification or eligibility. The insurer determines the class for the work performed.

Policies are usually subject to audit. A busy summer that takes estimated receipts from $600,000 to $900,000 can produce additional premium under the policy's rating basis. Use realistic numbers and tell us when you add trucks or technicians.

Two claim scenarios to discuss before buying

Condensate leak into a finished ceiling. A technician reconnects a drain line after a coil replacement; three weeks later the homeowner finds a collapsed ceiling and mold on the drywall. Review how the policy treats resulting water damage, whether a fungi or bacteria exclusion or sublimit applies, and how it separates damage to the home from the cost of redoing your work.

Rooftop unit set by a hired crane. A rented crane drops a package unit during a commercial install, damaging the unit, the roof membrane, and a parked vehicle. Ask what the crane contract makes you responsible for, whether hired and non-owned auto or general liability responds, and who covers the unit before it is installed.

These are hypothetical illustrations, not client claims or promises of payment. The facts and the issued policy determine whether coverage applies.

What to have ready for an HVAC quote

• Legal business name, entity type, TDLR license number class (A or B) and the licensed contractor of record
• Estimated annual receipts and payroll, split residential service, new construction, and commercial
• Whether you do commercial refrigeration, boilers, or gas piping
• Percentage of work subcontracted and whether subs carry their own coverage
• Vehicles with VINs, drivers, and whether trucks go home with technicians
• Current declarations pages and any builder or property-manager requirements

Use our contractor quote checklist and guide to contract insurance requirements to prepare.

Reviewed by Greg Williams, Texas-licensed independent insurance agent and owner of Greg Williams Insurance Agency, Longview, TX. Last reviewed October 2026.