Commercial HVAC
Coverage built for contractors working on rooftop units, chillers, and mechanical rooms in office buildings, retail spaces, and industrial properties. The certificates and endorsements your GCs require — handled fast.
Commercial HVAC work carries risk that generic contractor insurance doesn't anticipate. You're servicing rooftop units above occupied space, working inside mechanical rooms with combustion appliances, and connecting to gas lines that serve entire buildings. A missed step in venting or a bad refrigerant connection isn't a callback — it's a claim with real severity behind it.
The foundation of any commercial HVAC program, but it has to actually respond to the exposure you carry. Covers third-party bodily injury and property damage — a carbon monoxide incident from a poorly vented rooftop unit, a leak that damages tenant space below, or a mechanical failure that disrupts building operations. Most commercial contracts require a minimum of $1M/$2M, and many require $2M/$4M for larger mechanical projects.
A commercial install that fails months after commissioning is a real exposure in this trade — a chiller that leaks, a rooftop unit that malfunctions, a boiler that develops a combustion problem. Completed operations coverage responds to failures that surface well after your crew has left the site.
General contractors and property managers almost always require to be named as additional insured on your policy. A blanket additional insured endorsement covers any GC or owner you work for without having to add them one by one — making certificate production fast and easy.
Many commercial contracts require a waiver of subrogation, which prevents your insurance carrier from pursuing recovery from the GC if they pay a claim on your behalf. This is a standard endorsement we can add to your policy.
Your manifold gauges, refrigerant recovery machines, combustion analyzers, and leak detectors travel from job to job. Inland marine coverage protects them whether they're on the job site, in your truck, or in a storage unit. Standard GL doesn't cover your own equipment.
Some GC contracts require your insurance to be primary and non-contributory, meaning your policy responds first before any other coverage. This is an endorsement we can add when required by contract.
Commercial mechanical work almost always requires a certificate of insurance before you can mobilize. Once you bind coverage with us, your COI is issued instantly — ready to send to your GC or property manager the same day you need it.
Most commercial HVAC projects require a minimum of $1M per occurrence and $2M aggregate in general liability. Larger mechanical projects, government contracts, and work in certain industries may require $2M/$4M. We can quote both and help you match your coverage to your contract requirements.
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Our licensed agents build your custom quote — typically same business day.
FAQ
Most commercial contracts require a minimum of $1M per occurrence / $2M aggregate. Larger mechanical projects and government contracts often require $2M/$4M. We can quote both.
Yes — a chiller, rooftop unit, or boiler that fails months after commissioning is a real exposure. Completed operations coverage responds to mechanical failures that surface after your crew has left the site.
A waiver of subrogation prevents your carrier from pursuing recovery from your GC after paying a claim. Many commercial contracts require it. We can add it to your policy.
Your COI is issued instantly once you bind coverage. Same-day coverage is typically available, so you can often get a COI the same day you need it.
Yes. We can write coverage that accounts for your employees and subcontractors. Tell us your setup on the quote form and we'll structure the coverage accordingly.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.