States we serve
HVAC contractor insurance, state by state
We place HVAC coverage across the country — every U.S. state except Hawaii & Alaska — for residential and commercial HVAC contractors. Licensing genuinely varies by state, so each state page covers both axes: the state or local HVAC contractor license and the federal EPA Section 608 technician certification, alongside the climate and market where your crews and accounts are.
HVAC is a state-regulated trade, and the picture changes as you cross state lines: whether the state licenses HVAC or mechanical contractors at the state level, through a broader contractor board, or only at the municipal level; how the climate drives cooling-versus-heating demand; and what general-contractor and commercial accounts require. Above all of it sits the federal EPA Section 608 refrigerant-handling certification, which is the same in every state. We are licensed across 48 states and weight each program to the state it is written in. Priority states are highlighted below.
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
How coverage follows the state
Wherever you operate, the coverage stack is built on the same lines — start with the line that defines the trade, general liability and its completed-operations exposure, and contractors equipment for the tools and the van, then the full coverage set and the two operating models. Ready when you are: start a quote.
Primary sources
Get an HVAC insurance quote in your state
Tell us where you operate and how your crews work — residential service, commercial and mechanical, or both — and we will market it to carriers that write the class.