ABOUT HVACINSURE
About Us
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.
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.
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!
