Insurance for HVAC Contractors

In a Corpus Christi summer, you are essential. Stay in business.

For Texas air conditioning and refrigeration contractors.

What's different

What HVAC Contractors Should Know

In August, you are the most important phone call in Corpus Christi. We wrote this page for the people who answer it.

HVAC work means attics, rooftops, refrigerants and emergency calls in the worst heat. Texas requires licensed contractors to be insured.

Licensed means insured

Texas requires licensed air conditioning and refrigeration contractors to carry commercial general liability insurance.

Water and ceiling damage

A clogged drain line or a missed step in an attic becomes a ceiling claim. These are the everyday losses your policy should handle without a fight.

Coverages to ask about

General LiabilityInjury or property damage your work causes to a customer or the public.
Workers' CompensationCovers employees hurt on the job. Texas does not force private employers to carry it, but many contracts do.
Commercial AutoVehicles titled to the business or used mainly for work. A personal policy can deny a claim for business use.
Tools & EquipmentCovers tools and gear on the truck, on the job site or in storage, not only at your shop.
Personal UmbrellaExtra liability above your auto and home policies if you are sued for more than they pay.
Life InsuranceMoney for your family if you die: income replacement, the mortgage, college.

Request a Quote

Tell Us About You

This form asks the questions that matter for HVAC Contractors, and two minutes is enough to start. You are not a number here. A licensed Texas agent in Corpus Christi reads every request personally and tells you plainly what is available for your situation.

☏ (361) 336-0409 ✉ L.Emily@allfleurone.com ✦ 921 N Chaparral St, Suite 212, Corpus Christi, TX 78401

Quote Request for HVAC Contractors

Your work

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Current policy renews

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It's OK to text me about this quote. Msg & data rates may apply. Reply STOP to opt out. Consent is not required to get a quote.

No spam. We never sell your information. A licensed Texas agent reviews every request. Sending this form does not start or change any coverage.

Our promise

What You Can Expect From Us

A neighbor, not a call centerWe are locally owned, with an office on Chaparral Street in downtown Corpus Christi. A licensed Texas agent reads your request personally.
Questions about your workWe ask what your days look like before we talk about policies, because coverage should fit the life you actually have.
Plain answers, no pressureWe explain your options in everyday language, and we tell you honestly when something is not the right fit or when we cannot help.

Before you call

What Speeds Up Your Quote

Have readyYour TDLR license number and class
Have readyNumber of technicians and vans
Have readyAnnual revenue

Questions

HVAC Contractors: Insurance FAQ

Is refrigerant release covered?

Pollution exclusions can apply. Some contractor policies add limited coverage for it. We check the wording.

Can I insure vans and liability together?

They are separate policies that should be reviewed together so limits and additional insureds line up.

How do I get a quote?

Fill in the form on this page or call (361) 336-0409. A licensed Texas agent reviews every request and tells you plainly what is available for your situation. Nothing is covered until an insurance company issues a policy.

General information for Texas residents, not legal, tax or financial advice. Not every coverage is available for every person or business. Coverage is subject to policy terms, conditions and underwriting approval.

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