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HVAC Company Insurance - Texas

Including: Arlington, Burleson, Mansfield, Midlothian, Fort Worth, Keller, Southlake, Grand Prairie and Cedar Hill, TX

All Texas HVAC Techs and Business Owners - Begin Your Free Insurance Quote


The Matthews Insurance Group offers numerous commercial policy options for HVAC and air conditioning service businesses. Call us at for more

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How does insurance work for HVAC businesses?

HVAC businesses, A/C technicians and ventilation repair services need commercial insurance as much as any business. The right insurance coverage pays to help the business protect itself from financial losses if damaging physical and legal accidents or mistakes occur.

What are the benefits of having HVAC business insurance?

You want your HVAC business to operate smoothly. If it doesn’t, you could experience a loss of normal income and face costs of recovery that weren’t part of your budget or rainy-day fund. The correct insurance will help you feel certain that you can cover the costs of accidents. You won’t run the risk of facing losses from which you can’t recover.

What types of insurance does an HVAC service provider need?

Consider the benefits of each of the following types of commercial coverage might provide:

Business Owners Policies (BOPs)

BOPs are packages of insurance that contain multiple types of coverage, usually including:

  • Property insurance: Coverage will pay for damage to your business property and contents should incidents like fires, storms or theft cause losses.
  • General liability insurance: Coverage helps business owners cover the legal costs and settlements that might result if they cause injuries or property damage to a third party.
  • Business interruption insurance: If a problem causes you to cease or partially halt operations for a period of time, coverage can help you recover the income lost during this time.

Your agent can often bundle additional protection like cyber-liability and personal injury coverage into your BOP. The reason so many small business owners find BOPs so beneficial is that they offer the perks of paying one premium for numerous types of coverage that works cohesively together.

Contractors Errors & Omissions Coverage

HVAC repair services might face claims of faulty services, or negligence in their work. For example, a client might claim that you didn’t properly repair their heater, which then caught on fire. They might sue you for the damage costs. E&O coverage can help you cover your own legal costs and the costs of a settlement to repair the property. It’s added coverage on top of general liability insurance.

Also, see if your E&O coverage contains a professional liability insurance component. It applies when your professional advice causes harm to others.

Inland Marine/Builders Risk Insurance

Inland marine insurance is a policy that will insure your business assets (and assets in your care) when you transport them to work sites. If you work on construction projects, builders risk insurance is more-specific inland marine coverage that insures the materials you will use for the job.

Commercial Auto Insurance

Since you probably run a mobile business, you will need commercial auto insurance policy. Most offer liability, collision, comprehensive, un-/underinsured coverage and more. The limits and conditions will address the business’s cost risks involved in owning or operating vehicles. Coverage can insure both business-owned and employee-owned vehicles.

Workers’ Compensation

With a workers’ compensation policy, you can indemnify employees for medical costs, lost income or related expenses if they get injured or sick on the job.

This is very important coverage to carry. Though Texas doesn’t require businesses to carry workers’ comp insurance, it does allow injured employees to sue the business if they can’t make a workers’ comp claim. Having coverage is always an easier option.

Surety Bonds

Should you fail in parts of your duties, a surety bond will essentially work as a guarantee that you will provide a payment to your clients. It’s not insurance proper, but is just a guarantee you will pay. Even if the company that issues the bond pays a claim to the client, you must repay the surety company.

Commercial Umbrella Insurance

An umbrella policy can add extra liability coverage limits on top of the limits of your existing liability insurance. If a claim on one of these policies ever exceeds your standard coverage limits, your umbrella insurance can provide additional payment.

How much does insurance cost for an HVAC business?

Each type of coverage you buy for your business comes with a different premium attached. For example, a surety bond might only cost a few hundred dollars per year. However, the average workers’ comp policy might cost between $300 and $10,000/year. Factors that might influence premiums include:

  • Your industry
  • The types of coverage you buy, and its coverage limits
  • The business’s size, income and net worth
  • The number of employees on your payroll

However, if you bundle various policies into a BOP, for example, then you might be able to save significantly on your rates, compared to buying separate policies.

Business Insurance Quote Forms

Looking for the right commercial insurance? Click below to submit a request for quick, accurate and affordable rate quote.

All Texas HVAC Techs and Business Owners - Begin Your Free Insurance Quote

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