Blog · Coverage Explained
Coverage Explained
HVAC contractor insurance guides in coverage explained, written and reviewed by Nate Jones, CPCU.
- Coverage Explained
Contractors Equipment vs Installation Floater for HVAC
Contractors equipment covers tools that move; an installation floater covers units until they are built in. Here is the HVAC difference and what to check.
- Coverage Explained
Does General Liability Cover Completed Operations for HVAC?
Does general liability cover the HVAC install that fails after the job? Completed operations is the answer — here is how it works and what to check.
- Coverage Explained
Does GL Cover Water Damage From a Failed Condensate Line?
Yes — third-party water damage from a failed condensate line is a completed-operations claim. The catch: redoing your own faulty line falls outside GL.
- Coverage Explained
Does HVAC Insurance Cover Carbon Monoxide Leak Claims?
Does HVAC insurance cover a carbon-monoxide claim from a bad heat exchanger or flue? Completed operations responds to the third-party bodily injury.
- Coverage Explained
Does HVAC Contractor Insurance Cover Refrigerant Leaks?
Does general liability cover a refrigerant release? Generally no — the pollution exclusion applies, and contractor pollution liability is a separate line.
- Coverage Explained
Does My HVAC Business Need an Umbrella Insurance Policy?
Umbrella insurance for HVAC contractors stacks excess limit over GL and auto — when a big install or van loss, or a GC’s contract, calls for one.
- Coverage Explained
Does Insurance Cover Tools Stolen From My Van? — HVAC Guard
Tools stolen from your van are covered by contractors equipment, not commercial auto. Here is the seam, the valuation trap, and what to check first.
- Coverage Explained
EPA 608 Certification and HVAC Insurance: What to Know
EPA Section 608 certification is a federal compliance rule, not insurance. A 608 fine is not insurable, but refrigerant damage is a separate question.
- Coverage Explained
What Insurance Do General Contractors Require From HVAC Subs?
General contractors require a certificate of insurance from HVAC subs — general liability, additional-insured status, workers comp, auto, and set limits.
- Coverage Explained
What Is CG 20 37 Additional Insured Completed Operations?
The ISO endorsement that keeps a general contractor insured on your finished HVAC work after the job closes — and why an ongoing-ops form falls short.
- Coverage Explained
What Is Completed Operations Coverage for HVAC Contractors?
What is completed operations for an HVAC contractor, and how does the tail work? The products-completed-operations hazard, the aggregate, and lapse risk.
- Coverage Explained
What Is Riggers Liability for HVAC Contractors? — HVAC Guard
Setting a rooftop unit with a crane? General liability usually excludes the rigged load. Riggers liability covers it. Here is the seam and what to check.
- Coverage Explained
What Is the HVAC Workers Comp Class Code 5537, Explained?
The workers comp class code for HVAC field payroll, where state variants and adjacent codes apply, and why coding techs as office staff backfires.
- Coverage Explained
What Commercial Auto Insurance Does an HVAC Company Need?
An HVAC company needs commercial auto on every work van, hired and non-owned auto for rentals and techs’ cars, and equipment cover for the gear inside.
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