HVAC Insurance

Trade-ready protection for installs and service

Alcorn Insurance Texas builds HVAC contractor insurance in Texas that fits real work—attic installs in Georgetown, rooftop units in Round Rock, service calls along the I-35 corridor. We align contract requirements, jobsite risks, and carrier options so your crew, vans, and tools are ready for the next call.

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What your policy can cover

General liability

Third-party injury, property damage, and completed operations, plus additional insureds for GCs.

Commercial auto

Liability and physical damage for service vans and pickups; options for hired and non-owned vehicles.

Installation floater

Materials and units in transit or awaiting install are covered before they go live.

Umbrella liability

Extra limits above GL and auto for bids that require higher totals.

Workers’ compensation

Medical and wage benefits for on-the-job injuries; keeps claims out of pocket and crews protected.

Tools & equipment (inland marine) 

Scheduled protection for diagnostics, brazing gear, and specialty tools on and off site.

Commercial property/BOP 

Office/warehouse, inventory, parts, and business interruption after covered losses.

Local insight

Built for Georgetown HVAC crews

From Berry Creek jobs to permits near the Georgetown Square, we coordinate contract wording, additional insureds, and rapid COIs. Our team tunes deductibles for hail-prone roofs, reviews ladder and attic exposures, and connects policy limits across general liability insurance, workers’ comp insurance, and commercial auto insurance so nothing gets missed between jobsite and shop.

HVAC insurance FAQs

  • What limits should my HVAC company carry?

    Many contracts require $1M per occurrence / $2M aggregate GL and $1M auto; some jobs ask for umbrella limits. We’ll match bid specs.

  • Can you issue certificates the same day?

    Yes—most COIs are turned around fast, with endorsements for additional insured and waiver of subrogation when required.

  • Are subcontractors covered under my policy?

    Your GL excludes independent subs unless they carry their own insurance. We’ll help set certificate requirements and track them.

  • Do I need an installation floater?

    If you transport or stage units before startup, yes. It covers equipment and materials in transit and at jobsites.

  • Will commercial auto cover employee-owned vehicles?

    Not by default. Add hired/non-owned auto for errands, parts runs, and occasional use of personal vehicles for work.