Residential HVAC
Coverage built for furnace, AC, and heat pump installs and service calls in homes and rental properties. Simple, fast, and built around the real exposure of working inside occupied houses.
Yes — and the exposure is higher than most homeowners realize. You're working inside occupied houses on furnaces, gas lines, and combustion appliances. A venting mistake isn't just a callback, it's a carbon monoxide exposure claim with a family living in the home. More homeowners and property managers are requiring proof of coverage before work starts, and the exposure is real with or without that requirement.
The foundation of residential HVAC coverage — but it has to actually respond to gas and combustion work. Covers third-party bodily injury and property damage related to your work, including CO exposure claims tied to improper venting or a bad furnace connection. If a homeowner's property is damaged during a job, or someone is injured in connection with your work, general liability responds to cover the legal costs and damages.
Your manifold gauges, refrigerant recovery machines, combustion analyzers, and leak detectors go from job to job. Standard property insurance only covers items at a fixed location — inland marine (tools and equipment) coverage follows your gear wherever it goes, including your truck and job sites.
This is included in your general liability policy and covers claims that arise after a job is finished. A furnace install that develops a combustion problem weeks later, or a refrigerant leak discovered after you've left — completed operations coverage responds to these after-the-fact claims, and it's especially important in residential HVAC given how long a bad install can go unnoticed.
Many property management companies now require proof of general liability before approving a contractor to work in their properties. Typical requirements include a certificate of insurance showing at least $1M per occurrence, and the property manager or management company named as an additional insured.
Once you bind coverage with us, your COI is issued instantly and you can send it to any client or property manager right away.
Most solo residential HVAC contractors pay between $650 and $1,400 per year for general liability. Adding equipment coverage brings the total to $900–$2,200 depending on your equipment value. Contractors with employees or subcontractors pay more based on payroll and revenue.
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Our licensed agents build your custom quote — typically same business day.
FAQ
You may not always be legally required to have it, but most property management companies require proof of GL before you can work in their properties. Given the carbon monoxide and gas line exposure in this trade, one claim from a homeowner can easily exceed years of premiums.
General liability with completed operations is built to respond to this exact exposure — a CO issue tied to improper venting or a bad combustion connection, even if it surfaces after the job is done. This is core coverage for residential HVAC, not an add-on.
Yes — we can issue certificates naming specific homeowners or property managers as additional insured. This is common for rental property work and some HOA-managed communities.
If you're being paid for HVAC work, you're operating a business in the eyes of an insurance carrier — and combustion and gas line exposure means you're exposed to serious claims. Coverage is worth having even for occasional paid work.
Same-day coverage is typically available. Fill out the quote form today and our agents will get you a quote quickly. Once you bind, your COI is issued instantly.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.