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Coverage Explained
HVAC contractor insurance guides in coverage explained, written and reviewed by Nate Jones, CPCU.
- 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
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 GL Cover Water Damage From a Failed Condensate Line?
A clogged condensate line floods a finished ceiling weeks after the job. Does general liability cover it? Completed operations responds, with one nuance.
- 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 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
Does My HVAC Business Need an Umbrella Insurance Policy?
An umbrella adds excess limit over your general liability and commercial auto. Here is when bigger jobs and contractors push an HVAC shop to carry one.
- 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 Is CG 20 37 Additional Insured Completed Operations?
CG 20 37 names a general contractor as additional insured for your completed work. Here is how it differs from CG 20 10 and why GCs require it.
- 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 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?
Class code 5537 is the NCCI workers comp code for HVAC work — but state variants and adjacent codes change which one applies. Here is how to read yours.
- Coverage Explained
Why HVAC Contractors Need Commercial Auto Insurance
A personal auto policy can deny a wreck in your work van. Here is how commercial auto covers the van — and where the tools inside are insured instead.
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