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Industries · Contractors

Insurance for HVAC contractors.

General liability, workers’ comp, commercial auto, and tools, for heating, cooling, and ventilation contractors, from service calls to new installs.

A few quick questions, then we send you your price. Many trades get it in minutes.

What HVAC contractors usually carry

  • General liability, $1M / $2M
  • Workers’ comp
  • Commercial auto
  • Tools and equipment
  • Installation floater
  • Umbrella

Watch for these in an HVAC policy

  • Carbon monoxideGas furnace and venting work can lead to carbon monoxide claims. Make sure your policy does not exclude them.
  • Rooftop workRooftop units mean work at height, and some policies limit how high you can work.
  • Refrigerant and pollutionRefrigerant leaks can fall under pollution exclusions. Some policies give back limited coverage.
  • Service vansVans carrying tools and parts need commercial auto and a tools floater. A personal auto policy often excludes business use.

What GCs and owners ask HVAC contractors for

  • Additional insuredFor ongoing and completed operations, CG 20 10 and CG 20 37.
  • Waiver of subrogationCG 24 04 on general liability, plus workers’ comp and auto.
  • Primary and noncontributoryYour policy pays first, before the GC’s own.
  • UmbrellaCommercial jobs often require $1M to $5M on top.

Questions HVAC contractors ask

Straight answers.

The questions we hear most, answered plainly.

How is HVAC insurance priced?

General liability is priced on your revenue or payroll, your mix of service and install work, your years in business, and your claims.

Are the tools in my van covered?

Not by auto insurance. Tools and equipment coverage follows your tools on the job and in the van.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Contractors and trades

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Landscaping

General liability, $1M / $2M, Workers’ comp, Commercial auto

Framing

General liability, $1M / $2M, Workers’ comp, Commercial auto

Finish carpentry and millwork

General liability, $1M / $2M, Workers’ comp, Commercial auto

Concrete

General liability, $1M / $2M, Workers’ comp, Commercial auto

Drywall

General liability, $1M / $2M, Workers’ comp, Commercial auto

Painting

General liability, $1M / $2M, Workers’ comp, Commercial auto

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