ContracSur - Insurance for Contactors

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ContracSur - Insurance for Contactors We are an Insurance Agency who Partners with Contractor Businesses to manage their Commercial Insurance needs.

Is your workers' comp still up to date?Added employees, increased payroll, or changed the type of work your crew perform...
10/16/2026

Is your workers' comp still up to date?

Added employees, increased payroll, or changed the type of work your crew performs?

Those changes may affect your Workers' Compensation insurance, including payroll estimates and employee classifications.

For Texas contractors carrying Workers' Comp, reviewing those details throughout the year can help avoid surprises at audit or renewal.

Need to review your policy? Talk with ContracSur.

https://www.contracsur.com/get-a-quote

10/14/2026

Adding technicians to your HVAC crew?

New hires can affect your Workers’ Compensation insurance, especially when your estimated payroll or employee job duties change.

As your business grows, review your payroll estimates and employee classifications to make sure your policy reflects your current operations.

An updated review now may help avoid unexpected premium adjustments at audit.

Need to review your Workers’ Comp coverage? Talk with ContracSur.

October is a good time for Texas HVAC contractors to review their insurance before year-end.A few things worth checking:...
10/14/2026

October is a good time for Texas HVAC contractors to review their insurance before year-end.

A few things worth checking:

• **Business Auto:** Have you added service trucks, changed drivers, or changed how vehicles are used?

• **Workers’ Comp:** Have your payroll, employee count, or job classifications changed?

• **Certificates of Insurance:** Are your policies and endorsements aligned with the requirements of your current contracts?

These are common areas where a growing HVAC business can outpace the information on its insurance policies.

Need a second look at your coverage? Contact ContracSur.

https://www.contracsur.com/get-a-quote

New hires, new trucks, new tools?As your contracting business grows, your insurance needs may change with it.Adding serv...
10/12/2026

New hires, new trucks, new tools?

As your contracting business grows, your insurance needs may change with it.

Adding service vehicles, hiring technicians, or purchasing equipment are good reasons to review your Business Auto, Workers’ Compensation, and Tools & Equipment coverage.

Make sure your policies reflect how your business operates today, not just when you first purchased them.

Need a coverage review? Talk with ContracSur.

https://www.contracsur.com/get-a-quote

Has your HVAC business changed since your last insurance review?Before year-end, take a look at four areas:1. **Business...
10/12/2026

Has your HVAC business changed since your last insurance review?

Before year-end, take a look at four areas:

1. **Business Auto:** Are your service vehicles, drivers, and vehicle uses accurately reflected on your policy?
2. **Workers’ Compensation:** Have your estimated payroll or employee classifications changed?
3. **General Liability:** Are you taking on different types of work or contracts with new insurance requirements?
4. **Certificates of Insurance:** Do you have the coverage and endorsements your customers or general contractors require?

An insurance review is particularly useful when your business has added employees, vehicles, or new services.

Need help reviewing your contractor insurance? Contact ContracSur.

https://www.contracsur.com/get-a-quote

What changed in your HVAC business this year?If you added a service van, hired technicians, or changed who’s driving, it...
09/30/2026

What changed in your HVAC business this year?

If you added a service van, hired technicians, or changed who’s driving, it’s time for a Q4 insurance review.

For Texas HVAC contractors, the big checks are simple:

• Business Auto still matches how the vehicle is used
• drivers and vehicle info are up to date
• Tools and equipment carried in the van are covered the right way
• Workers’ Comp lines up with payroll, crews, and contract requirements

A lot changes fast in this business. Your insurance should keep up with the way the work actually runs.

Get a Quote https://www.contracsur.com/get-a-quote

Using more subcontractors means more than adding labor to the schedule.Before work starts, review the insurance requirem...
09/28/2026

Using more subcontractors means more than adding labor to the schedule.

Before work starts, review the insurance requirements in your contract and verify the subcontractor's coverage information. Depending on the job, that may include General Liability, Workers' Compensation, Commercial Auto, and additional insured requirements.

Don't stop at collecting a COI. Check the policy dates, limits, and any required endorsements against the contract requirements. A certificate alone doesn't guarantee you've met every contractual insurance requirement.

Bringing on more subs? Make the insurance review part of your pre-job process.

Talk with ContracSur.

Bought new tools or equipment this year?Check whether your tools and equipment are still insured the way your business a...
09/25/2026

Bought new tools or equipment this year?

Check whether your tools and equipment are still insured the way your business actually uses them.

A new van, new gear, or a changed workflow can quickly leave old paperwork out of sync.

Review your coverage as your business changes.

New technician on payroll?That hire changes more than scheduling.It can change your payroll, Workers’ Comp exposure, and...
09/23/2026

New technician on payroll?

That hire changes more than scheduling.
It can change your payroll, Workers’ Comp exposure, and what you should review on your policy.

If that tech is working in homes, on ladders, lifting equipment, or driving for the company, those details matter.
So does how they’re classified and how your payroll is set up.

When you add a technician, review payroll and Workers’ Comp together.

Get a Quote https://www.contracsur.com/get-a-quote

Can payroll raise your workers' comp premium?Yes. For HVAC contractors, adding technicians can change how a Workers' Com...
09/22/2026

Can payroll raise your workers' comp premium?

Yes. For HVAC contractors, adding technicians can change how a Workers' Compensation policy is rated. More payroll can mean more exposure, while changes in employee duties can also affect classification.

That's why a growing HVAC shop shouldn't wait until audit time to review what's changed.

Added field techs? Hired a helper? Added office staff? Payroll and job duties may not look the same as they did when the policy started.

Keeping payroll estimates, employee roles and classifications current can help your policy better reflect how the business actually operates.

If your HVAC crew is growing, it's a good time to review your Workers' Comp.

Talk with ContracSur.

Address

4509 Rowlett Road
Rowlett, TX
75088

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19727829111

Website

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