Commercial Insurance Built for HVAC Technicians

Get customized liability, equipment, and workers' comp coverage designed for HVAC technicians. Fast approvals, comprehensive protection, and 24/7 claims support to keep your business running smoothly and safely.

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Commercial Insurance Solutions Designed Exclusively for HVAC Technicians.

Why HVAC Technicians Choose Us!

As a licensed HVAC technician, your business faces unique risks – from system failures causing property damage to costly equipment breakdowns. Our insurance plans are specifically designed for HVAC contractors, offering comprehensive protection for general liability, work vehicles, and specialized tools. With 24/7 claims support, we protect your livelihood so you can focus on what you do best: delivering top-notch heating and cooling solutions.

No upfront costs – pay monthly

Coverage for equipments, vehicles, and onsite incidents

24/7 claims – get back to work fast

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Who We Insure

Residential & commercial HVAC technicians
Emergency heating and cooling repair specialists
Installation & maintenance contractors
Duct cleaning services

Understanding HVAC-Specific Insurance Needs

HVAC contractors face unique risks that most general business policies don’t cover. Our plans are designed to address these industry-specific vulnerabilities:

Property Damage Liability: Covers accidental damage to client property during HVAC installations or repairs – including refrigerant leaks or electrical malfunctions.
Equipment Breakdown: Protection for essential HVAC tools and machinery such as compressors, diagnostic tools, and refrigerant recovery equipment up to $75,000 value.
Completed Operations Coverage: Protects against lawsuits if HVAC systems fail or malfunction months after installation or repair, covering long-term risks.

Without the right insurance, a single system malfunction or equipment failure could cost thousands in repair costs and legal fees.

Insurance Coverage

Coverage Type	Protection Details
General Liability	Property damage, client injuries, and system failures
Commercial Auto	Work vehicles, transporting HVAC equipment
Tools & Equipment	Theft, fire, or water damage protection up to $50k
Workers’ Comp	Medical bills and lost wages for injured workers

Build your policy with these essential protections:

Commercial Auto Insurance: Covers work vans/trucks carrying HVAC tools and materials – includes pollution liability for refrigerant or oil spills during transport.
Inland Marine Coverage: Protects HVAC tools and equipment at job sites, in transit, or in storage – even covers rented equipment for installations or repairs.
Umbrella Liability: Add $1M-$5M extra coverage for high-value commercial projects like large building system installations or energy-efficient HVAC systems.

Call Us Now!

+1 (206) 361-0600