Trusted Insurance Partner for HVAC Contractors
Independent guidance, national market access, and onboarding that actually keeps your crews moving.
About HVACInsure
Insurance Built for HVAC Businesses
HVACInsure is an independent agency that works for contractors—not carriers. We provide coverage built for HVAC contractors and related trades like plumbing and electrical. Our focus is simple: protect your work, tools, vehicles, and people with policies that meet project requirements.
Based in McKinney, Texas, we support contractors with clear communication, fast service, and straightforward processes. Certificates, claims, and renewals are handled quickly so you can focus on your jobs. With HVACInsure, you gain a partner who explains policies in plain terms and helps you stay ready for every project.
Mission
Deliver insurance solutions that keep HVAC contractors safe, compliant, and ready for every job.
Vision
Build lasting partnerships with HVAC businesses through trust, speed, and clarity.
Independent Agency
We Work for You, Not the Carrier
HVACInsure is a fully independent agency. That means we represent your interests—not a single company’s quota. We canvas multiple carriers and recommend the best fit for HVAC and service contractors. Whether you’re protecting a small shop or a growing fleet, we align coverage with your operations, growth, and loss history.
Why Us?
Why Contractors Choose
We keep insurance simple and useful for HVAC businesses. These five benefits show why contractors trust HVACInsure for coverage, certificates, and support.
HVAC & Related Trades Specialist
We insure HVAC contractors along with plumbing and electrical trades, aligning coverage with your unique risks and compliance requirements.
On-Demand Certificates of Insurance
Clients receive portal access for COIs with pre-approved language, ready whenever you need them to keep jobs moving.
Competitive, Clear Pricing
We compare carriers to keep premiums fair, explain options simply, and ensure you pay only for coverage you need.
Support Simplified
Our process reduces delays. From certificates to claims, we deliver quick answers and easy communication.
Dedicated Risk Guidance
We provide ongoing advice on safety practices, compliance, and coverage adjustments to help your business reduce risk.
Leadership
James Jenkins
Founder and CEO of HVACInsure
James is an innovator and an eternally curious problem solver. He's an unapologetic risk and insurance nerd and he gets really excited about things that bore most people. Faith and family are the two most important things to James.
He spends as much time as possible with his wife, Alison, and their two kids. His preferred activities are garage workouts, golf and pickleball. James is a lifelong student, and eagerly reads articles and journals to stay fresh on industry developments.
"Strong leadership builds strong protection. At HVACInsure, we bring clarity and speed so every contractor can work with confidence." - James Jenkins, CEO
Coverage for Crews, Vehicles, and Tools
Insurance for HVAC Contractors
We provide business insurance designed for HVAC contractors. These policies protect your crew, vehicles, and tools while helping you meet project requirements. Every policy is explained clearly and delivered quickly so you can work without delays.
General Liability Insurance
Protects against third-party injury, property damage, and jobsite claims. Required by most contracts and essential for every HVAC business.
Commercial Property Insurance
Protects your office, warehouse, and business property against fire, theft, and other unexpected losses.
Commercial Auto Insurance
Covers your work trucks and vehicles, including liability, collision, and comprehensive protection for accidents on the road.
Inland Marine (Tools & Equipment) Insurance
Covers tools and equipment in transit or stored in vehicles, safeguarding the gear your crews rely on daily.
Workers’ Compensation Insurance
Provides medical care and wage replacement if employees are injured at work, keeping your team safe and compliant with regulations.
Commercial Umbrella Insurance
Adds higher liability limits on top of your main policies, helping you meet contract requirements and protect against major claims.
Who We Help
Focused Coverage for HVAC Professionals
HVACInsure specializes in HVAC contractors but also supports related trades such as plumbing and electrical. These industries often work side by side on projects and face similar risks. Our policies help contractors in HVAC, plumbing, and electrical stay compliant, protect their crews and equipment, and provide on-demand certificates to keep projects moving without delays.
Our Process
Simple Steps, Clear Results
We designed our process for HVAC contractors who value speed and clarity. From your first call to your final certificate, everything is handled quickly so you can stay compliant and keep projects moving.
1
Discovery & Risk Map
We begin by reviewing your operations, fleet, subcontractors, contracts, and prior claims to build a risk map that highlights exposures, coverage gaps, and improvement opportunities aligned with your growth goals.
2
Market Sweep & Recommendation
Our team engages HVAC-friendly carriers, negotiates terms, and delivers a stewardship report with clear recommendations supported by video explanations, helping your leadership make confident insurance decisions without confusion or wasted time.
3
Bind & Onboarding
Once you approve, we bind coverage, coordinate billing and endorsements, enable instant certs through CSR24, and create a renewal roadmap that keeps your protection aligned with operations and fleet changes throughout the year.
Frequently Asked Question
Common HVAC Insurance Questions
These FAQs address common contractor questions. As HVACInsure grows, we will update this section with real client experiences and answers.
Why should an HVAC contractor use HVACInsure instead of a general agency?
Specialists understand jobsite requirements, certificate wording, and common endorsements for HVAC work. You get cleaner paperwork, faster approvals, and coverage that fits how your crews operate.
This reduces delays at the gate, avoids gaps, and helps you pass compliance checks the first time.
How fast can I get a Certificate of Insurance (COI)?
Most standard COIs are issued the same business day after binding or updates. If you need additional insured, primary/non-contributory, or waiver language, we prepare it correctly the first time.
Our goal is simple: get your crew on site without paperwork delays.
What coverages do HVAC contractors usually need?
Core policies include General Liability, Commercial Auto, Workers’ Comp, Property/Tools, Inland Marine, and Umbrella. Many projects require higher limits and specific endorsements.
We align your coverage with contract terms and explain each choice in plain language.
Will my tools and scheduled equipment be covered in vans or on jobsites?
Yes. Inland Marine (tools and equipment) can cover items in transit, stored in vehicles, or staged on site.
High-value items can be scheduled, and limits can match your daily field use to keep work moving.
Can I lower my premium without weakening protection?
Often, yes. Clean driver lists, accurate payrolls, safety programs, and bundling policies can help.
We review your profile, request carrier credits, and adjust limits and deductibles to control cost while meeting project requirements.
What should I do after a loss?
Contact us right away so we can file with the correct carrier and set expectations. We guide documentation, next steps, and follow-ups until closure.
Fast reporting and clear records help resolve claims sooner and keep your team focused on work.
Still have questions?
Can’t find the answer you’re looking for? Please chat to our friendly team!
Resources
Insurance Tips for HVAC Contractors
Our blog is built for contractors who want fast answers. Each article covers common questions and risks in under five minutes of reading.
Let’s Work Together
Insurance That Supports Your Growth
Fill out the form below to tell us about your HVAC business. We’ll review your needs, compare carrier options, and send back a clear quote. You’ll also get fast certificates once coverage is active, so you can get on site without delays.
Call us: (469) 678-8001
Email:
info@hvacinsure.com
Our Location: 4500 Eldorado Pkwy #2000, McKinney, TX 75070
