Coverage
HVAC contractor insurance coverages
An HVAC operation does not carry one policy — it carries a stack of coverage lines, each answering for a different way the work can go wrong, from an install that fails after the job to a van broken into overnight. Here are the 5 we write for residential and commercial HVAC contractors.
The coverage an HVAC contractor needs is driven by the work: an install that fails after the job and causes a fire or a flood, a serious accident in a loaded service van, a tech injured on a rooftop, and a van full of gauges and recovery machines that is the operation’s biggest asset. No single policy answers for all of it. Two exposures in particular define this trade and lead our coverage — the completed-operations exposure in general liability, where the work that fails after you leave becomes the claim, and the contractors equipment (inland marine) exposure, where the tools and the van auto and property policies do not follow. How heavily each line is weighted depends on whether you run residential or commercial HVAC work. The services overview explains how the two operating models change the emphasis.
General Liability Insurance
Third-party bodily injury and property damage coverage for HVAC contractors — with the faulty-workmanship and completed-operations exposure (a botched install causing a fire, a CO leak, water damage from a bad condensate line, or a system failure after the job) as the signature section. The signature general liability page for the HVAC trade.
See the coverage →Commercial Auto Insurance
Coverage for the service vans, trucks, and trailers an HVAC operation drives every day — the daily service-call accident exposure, the towed equipment trailer, and the tools and gear in transit between job sites.
See the coverage →Workers Compensation Insurance
Medical and lost-wage coverage for HVAC crews and technicians — with honest handling of the four monopolistic state-fund states and the lifting, electrical, refrigerant, height/rooftop, and route-driving injury profile of field techs.
See the coverage →Contractors Equipment Insurance
Inland-marine coverage for the gauges, recovery machines, vacuum pumps, hand tools, and the van of equipment that are an HVAC operation’s biggest asset — protected at the shop, in transit, and on the job site, where auto and property policies leave gaps. A signature line for this industry.
See the coverage →Umbrella Liability Insurance
Excess limits above general liability and commercial auto for larger HVAC operations and the higher limits commercial general contractors, building owners, and facility/municipal contracts often require.
See the coverage →Build the stack to your operation
Coverage is only right when it is weighted to how you actually work. Start a quote and tell us about your service mix and job sites, see how the lines differ by model under Residential HVAC Contractor Insurance and Commercial HVAC Contractor Insurance, or browse the states we serve on the locations index.
Primary sources
Get the right coverage stack for your HVAC operation
Tell us whether you run residential service, commercial mechanical, or a mix — and we will market it to carriers that write the class.