HVAC Contractor Insurance

Protection for Heating and Cooling Professionals

HVAC contractor insurance helps keep your business comfortable.

Protect your business while keeping customers comfortable.

Whether you’re turning up the heat or keeping the cool air flowing, your customers depend on you to make their homes and workplaces safe and comfortable. But in a business where you’re working on rooftops, in basements, and in multiple locations every day, one accident, equipment loss, or liability claim could cause serious financial setbacks. Having the right insurance coverage ensures you can keep serving clients no matter what comes your way.

The Unique Risks You Face

HVAC contractors operate in environments that come with significant risks:

  • Injury on the job. Falls, burns, or other accidents while installing or repairing systems.

  • Damage to client property. Accidental water leaks, fire, or structural damage during a job.

  • Theft or loss of tools and equipment. Expensive machinery stolen from a van or job site.

  • Vehicle accidents. Collisions involving company vans, trucks, or trailers.

  • Employee claims. Allegations of harassment, discrimination, or wrongful termination.

  • Cyber threats. Breaches involving stored customer or payment data.Cyber breaches. Stolen personal data from residents or members stored in HOA systems.

Coverage That Fits Your Needs

A comprehensive HVAC contractor insurance plan should address both your fieldwork and business operations. Common coverages include:

  • General Liability Insurance – Protects against lawsuits for property damage or injury to clients and visitors.

  • Commercial Property Insurance – Covers your office, warehouse, and equipment stored on-site.

  • Inland Marine Insurance – Protects tools and materials in transit between jobs or locations.

  • Workers’ Compensation Insurance – Covers medical costs and lost wages for employees injured on the job.

  • Business Auto Insurance – Covers company-owned vehicles used for transporting staff, tools, and equipment.

  • Hired & Non-Owned Auto Insurance – Protects the business when employees use personal vehicles for work.

  • Umbrella Liability Insurance – Adds extra protection beyond your basic liability limits.

  • Professional Liability Insurance – Covers claims of negligence or mistakes causing property damage.

  • Employment Practices Liability Insurance (EPLI) – Protects against employee lawsuits related to HR matters.

  • Cyber Liability Insurance – Covers financial losses from hacking or data breaches.

Why It Matters

Without the right coverage, one mishap like a fire caused during installation, a major injury, or stolen equipment could put your business in financial jeopardy. The right HVAC contractor insurance plan safeguards your operations so you can focus on delivering reliable, high-quality service to your clients.

Keep your business running and your customers comfortable.
Let’s build a policy that fits your HVAC company’s unique needs so you can work confidently, knowing you’re protected.

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