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.
The ask looks different depending on the job. A homeowner getting a furnace or AC install while they and their kids are living in the house isn't usually thinking about your insurance paperwork — but a property manager overseeing that same install in a rental unit almost always is, because they're the one liable if something goes wrong in a property they don't personally occupy. Gas line work raises the stakes further: running or modifying a gas line within a few feet of a living room or bedroom is a different conversation than a straightforward AC swap in a detached garage unit, and some property managers will specifically ask whether your policy responds to combustion and CO exposure before approving the work.
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 homeowner, client, or property manager right away — including on short notice when a furnace fails in the middle of winter and the property manager needs proof before authorizing same-day access.
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.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
FAQ
There's rarely a state law forcing it, but property management companies have gotten strict about proof of GL before letting a tech near their units, and for good reason: combustion and gas line work in an occupied home carries carbon monoxide exposure that most other residential trades simply don't have. One claim can outrun years of premiums fast.
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.
It doesn't change your policy, but it's exactly the kind of job property managers scrutinize hardest before approving access — gas work close to occupied living space raises the stakes on a combustion mistake. Having a current COI ready to send helps you clear that approval faster.
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 even on a casual job. Coverage is worth having even for occasional paid work.
Often yes. Same-day coverage is typically available, and once you're bound, your COI is issued instantly — which matters in this trade, since a furnace failure in the middle of winter doesn't wait for normal business hours.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.