HVAC Contractor Insurance in Texas: What You’re Required to Carry and What Actually Protects You
Reading Time: 4 minutesKey Takeaways: HVAC Contractor Insurance in Texas Required coverage: Texas HVAC contractors need general liability ($1M/$2M minimum for most contracts), workers compensation (required with 1+ employees in many municipalities), and commercial auto for service vehicles Average cost: $3,000-$8,000/year for a small HVAC operation (1-5 techs), $8,000-$25,000+ for mid-size companies (5-20 techs) — varies by revenue, […]