Electricians & HVAC Contractors Insurance in Texas
Serving Austin • Houston • San Antonio with specialized contractor coverage
Protect Your Texas Contractor Business
At Dhuka Insurance, we understand the unique risks electricians and HVAC contractors face daily — from jobsite hazards and equipment theft to liability from completed work. Whether you're an independent technician or own a multi-crew operation, we create tailored insurance packages to protect your tools, your business, and your peace of mind.
We proudly serve Austin, Houston, San Antonio, and surrounding Texas communities, offering flexible payment plans or pay-as-you-go options so you can get covered without breaking your budget.
Essential Coverage for Electricians & HVAC Contractors:
- General Liability Insurance - Protects against claims of bodily injury, property damage, or negligence
- Tools & Equipment Coverage - Covers theft, loss, or damage to your essential gear
- Commercial Auto Insurance - Protects your work vehicles from accidents, theft, or vandalism
- Workers' Compensation - Covers employee medical costs and lost wages for jobsite injuries
- Professional Liability - Protects against claims of faulty work or mistakes
- Commercial Property Insurance - Covers offices, warehouses, or workshops you own or rent
Why Choose Dhuka Insurance for Contractor Coverage:
- Specialized coverage — We understand the unique risks of electrical and HVAC work
- Flexible payment options — Monthly plans and pay-as-you-go workers' comp
- Industry expertise — We specialize in contractor insurance for service professionals
- Competitive pricing — Get covered without breaking your budget
Starting at $89/month
Comprehensive contractor business protection
Complete Texas Contractor Insurance Guide
Why Electricians & HVAC Contractors Need Specialized Coverage
Electrical and HVAC work comes with high exposure to risk — one wrong wire, a faulty installation, or a workplace injury could result in thousands of dollars in losses or lawsuits. A standard business policy often won't provide the specific protections you need.
Our specialized policies can cover:
Coverage Options
General Liability Insurance
Protects against claims of bodily injury, property damage, or negligence.
Tools & Equipment Coverage
Covers theft, loss, or damage to your essential gear, whether on-site or in your vehicle.
Commercial Auto Insurance
Protects your work vehicles from accidents, theft, or vandalism.
Workers' Compensation
Covers employee medical costs and lost wages for jobsite injuries.
Professional Liability (Errors & Omissions)
Protects against claims of faulty work or mistakes that cause financial loss.
Commercial Property Insurance
Covers offices, warehouses, or workshops you own or rent.
Flexible Payment Options
We know that managing cash flow is critical for small contractors. That's why we offer:
- Monthly payment plans – Spread the cost of your policy over the year.
- Pay-as-you-go workers' comp – Pay based on actual payroll rather than estimates.
⚡ Get Your Free Texas Contractor Insurance Quote Today!
Protect your tools, your business, and your peace of mind with specialized contractor coverage.
📥 Download Free Resources
Texas Contractor Insurance Checklist
Complete checklist to ensure you have all the coverage you need
Download PDFACORD 25 Certificate Template
Template for providing proof of insurance to clients and contractors
Download PDFFrequently Asked Questions
Q: Do I need insurance if I'm a one-person operation?
A: Yes — accidents can happen to anyone, and even a small incident could lead to a lawsuit or major expense.
Q: Can I bundle multiple coverages?
A: Absolutely. We can create a customized package combining liability, commercial auto, tools coverage, and more.
Q: Will insurance help me win bigger contracts?
A: Many general contractors and municipalities require proof of insurance before awarding contracts. Having the right coverage can make you more competitive.