Insurance for HVAC Contractors
HVAC work means climbing into attics, handling refrigerants, and standing behind installs for years after the invoice is paid. We put together coverage that reflects the real exposures of install and service work — not a generic trades policy.
Coverage We Build Around Your Business
Real Risk, Real Coverage
A new install is later linked to water damage or a fire in the customer's home.
General liability with completed operations coverage protects you well after the job is finished and paid for.
A refrigerant leak during service triggers an environmental or property claim.
Pollution liability coverage addresses exposures that a standard general liability policy often excludes.
A tech falls from a ladder or attic access during a service call.
Workers' compensation covers medical bills and lost wages for the injured employee and helps shield your business from a related lawsuit.
Questions We Hear Often
Often yes, under completed operations — but this needs to be verified against your specific policy language and exclusions, which is exactly what we review with you.
It's worth carrying if you handle refrigerants regularly — standard GL policies frequently exclude pollution-related claims, leaving a real gap for HVAC contractors specifically.
Typically general liability and workers' comp limits, with the property owner or GC listed as additional insured — we can issue this quickly once we know the job's requirements.
With tools & equipment (inland marine) coverage, yes — whether they're on a job site, in your van, or in transit between calls.
Tell us a little about your business and we'll shop it across our carrier network to find the right fit.
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