HVAC
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Insurance

What is HVAC Contractor Insurance?

HVAC Insurance is a policy package that provides financial coverage for the common risks associated with operating as an HVAC technician, such as third-party injury or property damage.

A significant amount of liability exposure is involved in keeping customers’ homes warm, cool, and free of excess water and dangerous gas. Not only can this job cause injury to HVAC employees, but residential and business customers can become injured, and property can become damaged, potentially resulting in costly lawsuits.

These are some of the related types of insurance we offer to protect industry professionals from risk.

What type of insurance do HVAC Contractors need?

General liability insurance – This policy covers basic third-party risks, such as damage to a client’s home while moving HVAC equipment. Bundle with commercial property insurance for savings in a BOP.

Workers’ compensation insurance – Workers’ comp is required in almost every state for residential and commercial HVAC businesses with employees. It covers medical costs for work injuries.

Commercial auto insurance – This policy covers property damage and injuries involving HVAC company vehicles, as well as repairs to vehicles damaged by vandalism or weather.

Contractor’s tools and equipment insurance – This policy helps pay for repairing or replacing an HVAC contractor’s psychrometers, multimeters, and other tools if they are lost, stolen, or damaged.

How much does HVAC Contractors Insurance cost?

Several factors will have an impact on insurance costs, including:

A) Installation services offered

B) Business equipment and property

C) Revenue

D) Location

E) Number of employees

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