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Texas HVAC Contractor Insurance From The Allen Thomas Group
Texas HVAC contractors need reliable commercial general liability insurance to meet TDLR licensing requirements. It protects growing businesses.
With Texas employing 31,910 HVAC technicians in one of the nation’s fastest-growing markets, having the right coverage isn’t optional—it’s essential for success in this booming 21% projected growth environment.
The Allen Thomas Group simplifies this process. We deliver fast certificates and competitive rates, backed by 20+ years of contractor insurance expertise across multiple states.
Our Independent Insurance Agents make getting properly insured smart and easy, so you can focus on what matters most: serving Texas’s expanding HVAC market.
Get Your Free Quote Today!
Get Texas HVAC Insurance That Actually Works for Your Business
Most HVAC contractors struggle with complex insurance requirements. Confusing coverage options frustrate them. That’s exactly why we’ve spent over 20 years perfecting our approach to contractor insurance across 20+ states, including Texas’s unique market demands that require specialized knowledge and experience.
Here’s what makes us different. Texas HVAC contractors save an average of 15-20% on premiums when they work with an experienced agency that understands both the technical requirements and the real-world challenges you face daily in this demanding industry.
Unlike Texas-only agencies, our multi-state experience means we’ve seen every scenario. We know exactly what coverage combinations work best. Whether you’re installing residential systems in Austin or maintaining commercial units in Houston, we’ll match you with the right protection at the right price for your specific situation.
The bottom line? You get expert guidance. You get competitive rates. You get coverage that actually protects your business—not just meets minimum requirements.
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Simple 4-Step Process: From Quote to Coverage in Hours, Not Days
Getting HVAC contractor insurance should be straightforward. It shouldn’t be a bureaucratic nightmare. Here’s our proven process that contractors across Texas have come to trust:
Tell us about your operation. We need to know your services offered, coverage area, team size, and current situation.
We compare options from multiple carriers. This helps us find your best rates and coverage combinations that fit your specific needs.
Review our recommendations. Select your preferred options. Complete simple paperwork without the usual hassles.
Receive your certificate of insurance. We submit directly to TDLR for immediate licensing compliance.
Most contractors get covered quickly. No endless phone calls. No waiting weeks for responses. No confusion about requirements. We handle TDLR submissions directly, so your licensing stays on track without delays or complications.
Complete Coverage for Every Texas HVAC Contractor Situation
Texas requires specific minimum coverage amounts. Smart contractors go beyond minimums. They truly protect their businesses with comprehensive coverage that addresses real-world risks in this challenging industry.
Required TDLR Minimums:
- Class A License: $300,000 per occurrence / $600,000 aggregate general liability
- Class B License: $100,000 per occurrence coverage for smaller systems
Additional Protection Options:
- Workers Compensation: Covers employee injuries (optional in Texas but highly recommended for protection)
- Commercial Auto: Protects service vehicles and equipment transport during job sites
- Tools & Equipment Coverage: Safeguards expensive HVAC tools and diagnostic equipment from theft or damage
- Professional Liability: Covers workmanship issues and installation problems that can arise
Real Texas Context matters. With Texans using 26% more electricity than the national average and air conditioning accounting for 22% of total power consumption, HVAC work is both essential and demanding in this climate.
Smart contractors invest in adequate protection because the risks are real. The costs of being underinsured are devastating. Equipment failures happen. Accidents occur.
Starting costs average $75-150 per month for basic coverage. Full protection packages typically run $200-400 monthly depending on operation size and specific risk factors.
20+ Years of Contractor Expertise You Can Trust
The Allen Thomas Group has been solving contractor insurance challenges since before many of today’s digital agencies existed.
Our experience matters because insurance isn’t just about meeting requirements. It’s about protecting everything you’ve built through years of hard work and dedication.
- Deep Market Knowledge: We understand Texas’s unique climate demands, regulatory environment, and business challenges
- Established Relationships: Direct partnerships with top-rated carriers mean better rates and faster service for you
- Multi-State Perspective: Our experience across 20+ states gives you insights other Texas-only agencies simply don’t have
- Personal Service: Real agents who answer phones, not chatbots or frustrating call centers
The Texas HVAC market is projected to add thousands of jobs over the next decade. Growth is coming. Position your business to capture this expansion with insurance coverage that scales with your success, backed by agents who understand your industry inside and out through decades of specialized experience.
Tailored Insurance Solutions Built For Your Texas HVAC Business
We know how frustrating and complex the process of finding the right HVAC business insurance can be and how it can be difficult to get a certificate of insurance quickly.
Let us help craft a policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Get Started with Texas HVAC Contractor Insurance Today
Ready to protect your Texas HVAC business with insurance that actually works?
The Allen Thomas Group’s 20+ years of contractor expertise and same-day service give you the competitive advantage you need.
Texas’s booming HVAC market waits for no one.
Get your free quote today by calling (440) 826-3676 and join thousands of contractors who chose smart, easy insurance solutions that deliver results.
Get More Insights On Making The Right Insurance Decision For Your Company
How much does HVAC contractor insurance cost in Texas?
HVAC contractor insurance in Texas starts at $75 per month for basic general liability coverage. Full protection packages typically run $200-400 monthly. This depends on your operation size, employee count, and coverage limits you select. Factors affecting pricing include business revenue, claims history, and specific coverage types selected for your unique situation.
What insurance coverage is required for HVAC contractors in Texas?
Texas requires commercial general liability insurance through TDLR licensing. Class A contractors need $300,000 per occurrence/$600,000 aggregate coverage. Class B contractors need $100,000 per occurrence. Additional recommended coverage includes workers compensation, commercial auto, and equipment protection. This provides complete business protection beyond just minimum requirements.
How quickly can I get HVAC contractor insurance in Texas?
Most contractors receive same-day certificates through our streamlined process. We complete quotes within 30 minutes. Coverage gets finalized in 4-6 hours. We submit certificates directly to TDLR for immediate licensing compliance without delays. No waiting weeks like traditional agencies—we understand contractors need fast service to keep projects moving.
Why choose The Allen Thomas Group over other Texas insurance agencies?
Our 20+ years of contractor insurance expertise across 20+ states gives you insights Texas-only agencies can’t match. We offer same-day certificates. We provide direct TDLR submissions. You get personal agent service, not chatbots. We have established carrier relationships for better rates and faster claim resolution when you need it most.
How do I get started with HVAC contractor insurance?
Contact us today for a free quote comparison. We’ll need basic information. Tell us about your services, coverage area, team size, and current situation. Most contractors receive customized quotes within 30 minutes. You can be fully covered the same day with certificates ready for TDLR submission and immediate use.
Locations We Serve Texas HVAC Contractors In
Abilene
Allen
Amarillo
Arlington
Atascocita
Austin
Baytown
Beaumont
Bedford
Brownsville
Bryan
Burleson
Carrollton
Cedar Hill
Cedar Park
Channelview
Cibolo
Cleburne
College Station
Conroe
Coppell
Copperas Cove
Corpus Christi
Dallas
Deer Park
Del Rio
Denton
DeSoto
Duncanville
Edinburg
El Paso
Euless
Farmers Branch
Flower Mound
Fort Worth
Friendswood
Frisco
Galveston
Garland
Georgetown
Grand Prairie
Grapevine
Haltom City
Harker Heights
Harlingen
Houston
Huntsville
Hurst
Irving
Keller
Killeen
Kyle
La Porte
Lancaster
Laredo
League City
Leander
Lewisville
Little Elm
Longview
Lubbock
Lufkin
Mansfield
McAllen
McKinney
Mesquite
Midland
Midlothian
Mission
Mission Bend
Missouri City
Nacogdoches
New Braunfels
North Richland Hills
Odessa
Pasadena
Pearland
Pflugerville
Pharr
Plano
Port Arthur
Richardson
Rockwall
Rosenberg
Round Rock
Rowlett
San Angelo
San Antonio
San Juan
San Marcos
Schertz
Sherman
Socorro
Southlake
Spring
Sugar Land
Temple
Texarkana
Texas City
The Colony
The Woodlands
Tyler
Victoria
Waco
Waxahachie
Weatherford
Weslaco
Wichita Falls
Wylie
