We are a specialty agency that writes one trade — residential and commercial HVAC contractors — under the Wexford Insurance, LLC umbrella. This page is who we are and why we built it.
HVAC Guard Insurance is a specialty brand of Wexford Insurance, LLC, built for the contractors who install, service, and replace the heating and cooling systems homes and businesses run on. We are not a general agency that happens to write an HVAC account now and then — we write the HVAC contractor trade specifically, and we place it with carriers that actually want the class.
The insight the brand is built on is simple: a residential service-and-replace shop and a commercial mechanical contractor look almost nothing alike to an underwriter. One works inside occupied homes across a high volume of smaller jobs, where the signature exposure is the in-home property damage and the completed-operations tail of an install that fails after the job; the other sets rooftop units and building systems at height under general-contractor relationships, where scale, fall exposure, and contract insurance requirements drive the risk. And the one exposure that defines the whole trade — the install that fails after you leave and causes a fire, a carbon-monoxide call, or water damage — is a completed-operations claim a generic policy underweights. A policy rated to a generic “contractor” misprices one model and leaves another exposed. We separate the work and rate each model to what it actually does — and we treat the lines the trade lives on, general liability built around completed operations and contractors equipment for the tools and the van, as core rather than as afterthoughts. That focus is the whole point of HVAC Guard Insurance.
HVAC is also a state-regulated, multi-state business — contractors add crews, cross state lines, and pick up commercial and general-contractor accounts with their own insurance requirements, on top of a licensing picture that genuinely varies state to state alongside the federal EPA Section 608 technician certification. We are licensed across 48 states and place coverage through a 25-carrier specialty panel, so coverage fits the trade wherever your crews and accounts are. Whether you want to talk through a renewal, a new venture, or a commercial contract that just landed on your desk with requirements you do not recognize, that is a conversation we have every day.
Who we are
Nate Jones, CPCU
Founder, HVAC Guard Insurance
Nate Jones considers himself to be the “insurance nerd” of our company. He is a graduate of Indiana State University where he majored in Insurance and Risk Management. Before starting Wexford Insurance, Nate worked on numerous sides of the insurance industry as an Underwriting Manager and Risk Management Consultant.
Nate holds the Chartered Property Casualty Underwriter (CPCU) designation and reviews the coverage and state content across this site. Reach him through the HVAC Guard Insurance quote form or by phone at 317-942-0549.
Kami Jones
Co-Founder, HVAC Guard Insurance
Kami Jones is by far the most detailed and creative person at our company. Before starting Wexford Insurance, Kami worked as Client Service Manager in the industry.
Part of the Wexford family
HVAC Guard Insurance is one of several specialty brands operated by Wexford Insurance, LLC (NPN 19887690), each built for a single trade so the coverage and the underwriting conversation fit the work. Our structural sibling contractor brand is Landscaping Guard Insurance. When you work with HVAC Guard Insurance, you get a specialist who knows your trade backed by an agency that places real commercial risks every day.
Work with a team that writes your trade
Tell us how your operation runs — residential service, commercial and mechanical, or both — and we will market it to carriers that want the class.
