Texas HVAC Contractor Insurance Guide
Texas HVAC Contractor Insurance Cheat Sheet
One-page reference for Texas HVAC contractors — TDLR license requirements, what GCs demand on COIs, refrigerant-related exposures, and links to ACCA and EPA authority sources.
What’s in the cheat sheet
- Coverage requirements (GL, WC, auto, equipment, pollution)
- COI limits table — residential vs. commercial HVAC
- Refrigerant & pollution liability — who covers it and who doesn’t
- TDLR license classes: TACLA, TACB, Technician
- Texas-specific rules (EPA Section 608, TDLR renewal)
- Authority links: TDLR, ACCA, EPA, AHRI, ASHRAE
PDF • 1 page • Print-ready
What Texas HVAC contractors need to carry
General Liability
$1M/$2M minimum. HVAC is a medium-high risk trade — property damage from faulty installs is common. Completed operations is critical.
Workers’ Compensation
Texas non-subscriber, but most GCs require it. HVAC work involves rooftop, confined space, and electrical exposure — WC rates reflect it.
Commercial Auto
Required if any vehicle is used for service calls or equipment delivery. Service vans with tools and refrigerant need proper commercial coverage.
Pollution Liability
Refrigerant releases (R-22, R-410A, R-32) may be excluded from standard GL. A pollution endorsement or standalone policy covers refrigerant spill liability.
Tools & Equipment
Recovery machines, manifold gauges, vacuum pumps, and specialty tools are expensive. Schedule high-value equipment separately.
Umbrella / Excess
$1M over primary is common on commercial projects. Large commercial installs and mechanical contractor agreements often require $2M+.
Texas HVAC licensing quick reference
TACLA — Air Conditioning Contractor
Required to contract and install HVAC systems in Texas. TDLR-licensed. Renews annually with 8 hrs CE.
TACB — Boiler & Pressure Vessel
Separate TDLR license for boiler work. Required if your scope includes boilers, water heaters, or pressure vessels.
EPA Section 608 Certification
Federal requirement for anyone handling refrigerants. Type I, II, III, or Universal. Must be maintained by all technicians.
Sources: TDLR Air Conditioning Program • EPA Section 608 • ACCA
Related resources & coverage guides
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