HVAC Contractor Insurance in Texas — Coverage Built Around Your Service Calls.
From new installs to emergency repairs in the middle of a Texas summer, your HVAC business carries liability every time a tech steps onto a customer's property. We build programs that reflect how your crews actually work.
Coverage That Fits HVAC Operations
The right HVAC insurance program covers more than just general liability.
HVAC work involves entering homes and businesses, working with refrigerants and electrical systems, and operating service vehicles all day, every day. Here's what a properly built HVAC program typically includes:
What We Watch For
The exposures that catch HVAC contractors off guard.
Common gaps we find
- ✓Service vans added to the fleet but never reported to the policy
- ✓Techs working on commercial rooftop units without coverage that addresses height exposure
- ✓No coverage for the cost to fix the HVAC work itself if a system fails after install
- ✓Refrigerant handling and disposal not addressed in the policy
What we ask before we quote
- →Do you do residential service, new construction installs, or commercial rooftop units — or all three?
- →How many service vehicles and techs do you have on the road?
- →Do you carry inventory or equipment in your vehicles that would be costly to replace?
- →Do any of your commercial clients require specific liability limits or additional insured status?
Why HVAC Contractors Work With McKnight
We're not guessing at what your business looks like day to day.
We Know the Trades
Our team comes from contractor backgrounds — we understand the difference between a service call and a full install, and we build coverage around that.
Independent & Carrier-Flexible
We shop your HVAC program across multiple carriers to find the right combination of price and coverage for your operation.
Real People When You Need Us
Need to add a new van to your policy or get a certificate for a commercial job? Call us during business hours and we'll handle it fast.
Common Questions
Questions HVAC contractors ask us most.
General liability typically covers the resulting property damage from your work — like water damage from a leak. It generally won't cover the cost to redo the faulty install itself; that's where errors and omissions coverage can help.
Get Started
Let's build the right insurance program for your HVAC business.
Call us or request a quote. We'll ask the right questions about your operation — residential, commercial, or both — and find a program that actually fits and responds when you need it.
McKnight Insurance Services · Mansfield, TX · Same-day certificates · Weekdays 8:30am–5pm