HVAC Contractors
Coverage for established HVAC contractors managing install crews, EPA-certified techs, subcontractors, and multiple active mechanical projects. The right limits, the right endorsements, built around how your operation actually runs.
Established HVAC contractors have more complex insurance needs than solo techs. You're managing install crews, working with EPA-certified subcontractors, running multiple mechanical projects simultaneously, and often working under contract with GCs or property management companies that have specific requirements. Your insurance program needs to match the scale, the combustion exposure, and the refrigerant handling that come with a larger operation.
The foundation, built for combustion and refrigerant exposure. Third-party bodily injury and property damage arising from your work, including CO claims. For contractors managing crews and multiple projects, higher limits are often appropriate — $2M/$4M instead of the standard $1M/$2M. We'll help you match your limits to your contract requirements.
With more installs running through your crews, completed operations exposure scales too. A failed install months after commissioning is a real claim source — this coverage protects you against failures that surface after the job is done.
Required in most states once you have employees. Rooftop work, confined mechanical spaces, and combustion exposure make this a priority for HVAC crews. Requirements vary by state — some states require it even for one part-time employee. We'll help you understand what's required where you operate.
With a larger operation comes more equipment. Manifold gauges, refrigerant recovery machines, combustion analyzers, leak detectors — all of it travels between job sites and needs protection. Inland marine coverage follows your gear wherever it goes.
If you use subcontractors, your policy needs to account for that — and for HVAC, carriers also want to know whether your subs handling refrigerant carry current EPA Section 608 certification. Depending on your setup, carriers will rate your policy accordingly. We'll structure the coverage to match how you actually operate.
Work trucks and vans loaded with refrigerant tanks and gauges need commercial auto coverage. Personal auto policies typically exclude business use — if you're using vehicles for work, you need commercial coverage.
HVAC contractors working with GCs and property managers need to produce certificates quickly and often. Our coverage includes blanket additional insured and waiver of subrogation capabilities so you can satisfy contract requirements without back-and-forth with your carrier.
As your operation grows — more revenue, more employees, more equipment, heavier seasonal swings between heating and cooling season — your insurance program should scale with it. We review coverage with you at renewal and adjust as needed so you're never underinsured on a larger job.
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FAQ
Requirements vary by state, but most states require workers comp once you have any W-2 employees pulling permits and running combustion or gas line work — which is exactly the crew where an injury claim carries real severity. We'll help you understand requirements in the states where you operate.
Any tech handling refrigerant needs current EPA 608 certification, and carriers will ask about this during underwriting. You should also require your subs to carry their own GL and provide certificates. We can help you structure your coverage and sub requirements correctly.
It depends on the work you do. On multi-trade commercial job sites — where you're working alongside electrical, plumbing, and sheet metal crews — GCs often need $2M/$4M rather than the standard $1M/$2M, since your exposure is judged partly by how your work interacts with everyone else's. We'll look at your contract requirements and recommend the right limits.
Yes, in a few ways. Carriers ask about your license status and who on your crew is authorized to pull permits, since that's a proxy for how well-controlled your combustion and gas line exposure is. Keeping licensing current across your crew can help both eligibility and rate.
Your annual premium is based on your annual revenue and exposure, not the season. But if your revenue swings heavily between seasons, tell us — it affects how carriers view your reported payroll and revenue at renewal.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.