What HVAC Contractors MUST Know About Insurance
(And How To Keep It From Costing You More Than It Should)
You didn’t start an HVAC business to become an expert in insurance.
But you do need to know enough to avoid getting blindsided.
If you’re like most HVAC contractors in Texas, you’re either:
- Overpaying for coverage you don’t need,
- Underinsured in the areas that matter most, or
- Wasting hours dealing with agents who don’t understand your business.
Why HVAC Companies Hate Insurance
- “I have no idea what coverages I really need.”
- “I’m stuck with a one-size-fits-all policy that doesn’t match how I actually work.”
- “My last claim got denied and nobody told me why.”
- “I can’t get my COI updated fast enough to get on a job.”
Sound familiar?
You’re not alone. Most general insurance brokers don’t specialize in trades. They treat your HVAC business like it’s a bakery or boutique.
That’s risky.
And expensive.
I WANT TO LOVE MY INSURANCE!
First Thing To Know: You Move Around. Your Policy Should Too.
You’re on rooftops, in crawl spaces, and all over Texas. You might even hire subcontractors on a job. A basic general liability policy doesn’t cut it.
What you actually need:
- General Liability with products and completed operations
- Inland Marine for tools and equipment in your trucks
- Commercial Auto built for real-world business use
- Workers’ Comp or Occupational Accident —customized for how you operate
At Quote Texas Insurance, we build coverage around how you actually work—not how some big corporate insurer thinks you work.
I WANT THE RIGHT COVERAGE!
Second Thing To Know: Certificates of Insurance: Fast or Forget It
Need a COI to get on the job site? You don’t have 3 days to wait.
With Quote Texas Insurance, you get a dedicated service team that handles COIs fast—often same-day, sometimes same-hour.
No call centers. No phone trees. No bots. No AI runarounds. No foreign call centers. Just people who know your name and get it done.
I WANT FAST COI's!
Third Thing To Know: Claims Don’t Have to Be a Nightmare
When something goes wrong, you need someone in your corner—not someone who disappears.
At Quote Texas Insurance, we act as your claims advocate from start to finish. We help you know exactly who to contact, what information to provide, and how to keep the process moving. We coordinate with your insurance carrier, keep communication clear, and guide you through best practices every step of the way.
You stay focused on your business.
We make sure you’re not flying blind.
I WANT AN ADVOCATE!
Fourth Thing To Know: Growth-Proof Coverage (Without the Audit Ambush)
Your HVAC business is growing—and that’s a good thing. But if your insurance coverage doesn’t grow with you, the next audit could feel like a punch to the gut.
Here’s what most contractors don’t realize:
When your policy is based on estimated payroll or revenue, the insurance carrier will audit you at the end of the policy term. If those numbers have gone up (and they usually do), you could owe thousands—all at once.
At Quote Texas Insurance, we help you avoid the audit ambush.
We check in throughout the year, help you track growth, and make smart adjustments before the audit hits. That means fewer surprises, smoother cash flow, and policies that actually fit your business—not ones that punish your progress.
I WANT AVOID THE AUDIT AMBUSH!
Why HVAC Pros Choose Quote Texas Insurance
We've been doing this for 25 years.
We’re not here to sell you a policy.
We’re here to protect your business like it’s our own.
As a brokerage, we’re not tied to just one insurance company. We work for you—not the carrier. That means:
- We shop dozens of top-rated carriers
- We negotiate better pricing and smarter coverage
- We explain everything in plain English— no industry jargon
- We stick with you after the sale: certs, audits, renewals, and claims
No robots. No self-service AIs. No overseas call centers.
No automated phone menus that go nowhere.
You talk to real Texans who live and work right here in our great state—people who understand what it means to run a business in Texas.
While other agents go silent after the sale, we stay in the trenches with you— advising, adjusting, and advocating—so you can keep growing without looking over your shoulder.
I'M READY TO START MY COVERAGE!
Bottom Line?
You keep Texas cool.
We keep your business protected.
Get a custom HVAC insurance quote today—fast, honest, and built for contractors who don’t have time to mess around.
GET STARTED
