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HVAC Contractor Insurance
HVAC work puts you in customers' homes and businesses every day, and a leak or fire tied to your work can come back to you long after the job. We compare insurance companies that write HVAC contractors, check for pollution and mold exclusions, and cover your vans, tools and parts. Call or text and a real person will go through your coverage with you.
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HVAC work
Coverage Built for HVAC Contractors
Installs, service calls and repairs each carry different risks. We match coverage to the work you actually do.
- General liability with completed operations
- Contractors pollution liability for refrigerant and mold
- Commercial auto for service vans
- Tools and equipment, including parts in your vans
- Workers comp for your techs
- License and permit bonds
Good to Know
Before You Buy
HVAC work mixes service calls, installs and vans on the road all day. We go through each point with you before you sign.
- Mold and pollution. Mold and pollution, including refrigerant releases, are excluded on many liability policies, so it's worth checking.
- Vans and tools. Service vans and the parts and tools in them need commercial auto and tools coverage.
- License bonds. Many states and cities require a license or permit bond for HVAC work.
- Completed work. A unit that leaks after install can damage a home. Completed operations coverage responds to covered damage after the job.
- Type of work. Service, repair and new construction can be rated differently. Describe all of your work when you quote.
- Workers comp. Many states require contractors to carry workers comp, in some states from the first employee.
Pair It With
Gaps HVAC Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Pollution Is Usually Excluded
Many liability policies exclude pollution, so a contractors pollution policy may be needed for the work you do.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Your Tools Need Their Own Coverage
Liability doesn't cover your own tools. Tools and equipment coverage protects them on the job and in your truck.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Bonds for Public and Larger Jobs
Public and larger private projects commonly require performance and payment bonds, and we help with those too.
Questions
What HVAC Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Am I covered if a unit I installed leaks and damages a home?
Completed operations coverage, part of most contractor liability policies, responds to covered damage or injury after your work is finished. Faulty work itself is often excluded, so we walk you through what's covered.
Is refrigerant covered?
Many policies treat refrigerant releases as pollution, which is often excluded. Contractors pollution liability can fill that gap.
Are parts and tools in my van covered?
Not by your auto or liability policy. Tools and equipment coverage protects them, including in your vehicle.
Need a Certificate for a Job?
Send us the contract and we'll match the requirements.