Insurance for HVAC Contractors
Coverage that keeps your business comfortable.
Get comprehensive HVAC insurance that protects against property damage, covers your technicians, and meets contractor requirements.
Licensed agents who understand HVAC deliver fast quotes, instant COIs, and expert support for heating and cooling contractors nationwide.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why HVAC Insurance Matters
Protect your business from the unique risks of heating and cooling work
HVAC work involves significant property damage risk—from refrigerant leaks and gas line issues to water damage from AC units and fires from improper heating installations. Whether you're installing new systems, performing maintenance, or handling emergency repairs, the right insurance protects your business from claims that could shut you down.
Most HVAC contractors need General Liability to cover property damage and injuries, Workers' Compensation for technicians (required in most states), and Commercial Auto for service vehicles. EPA certifications and proper refrigerant handling are also important factors in your coverage and rates.
Your classification code affects your premiums significantly. Residential HVAC typically costs less than commercial or industrial work. Gas line work and refrigeration may require additional coverage considerations. Working with agents who understand HVAC contractor insurance helps ensure proper coverage at competitive rates.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers property damage, fire damage, and bodily injury claims from your HVAC work.
Workers' Compensation
RequiredRequired for employees. Covers falls from roofs, burns, electrical shock, and other workplace injuries.
Commercial Auto
Protects your service vehicles and equipment. Covers accidents while traveling to jobs.
Business Owners Policy
Bundled coverage combining liability, property, and business interruption at a lower cost.
Industry Risks
Common risks you need to protect against
Real risks HVAC contractors face
See how the right insurance protects you when things go wrong
Risk
A furnace you installed has a faulty connection that causes a carbon monoxide leak, sending a family to the hospital.
General Liability
Pays for medical expenses, legal defense, and settlement—potentially saving you hundreds of thousands in claims.
Risk
A furnace you installed has a faulty connection that causes a carbon monoxide leak, sending a family to the hospital.
General Liability
Pays for medical expenses, legal defense, and settlement—potentially saving you hundreds of thousands in claims.
Risk
Your technician falls from a roof while installing a rooftop unit and breaks their leg.
Workers' Compensation
Covers all medical treatment, surgery, rehabilitation, and partial lost wages during recovery.
Risk
Your technician falls from a roof while installing a rooftop unit and breaks their leg.
Workers' Compensation
Covers all medical treatment, surgery, rehabilitation, and partial lost wages during recovery.
Risk
An AC unit installation causes a refrigerant leak that damages a server room in an office building.
General Liability
Pays for property damage, equipment replacement, and business interruption claims from your client.
Risk
An AC unit installation causes a refrigerant leak that damages a server room in an office building.
General Liability
Pays for property damage, equipment replacement, and business interruption claims from your client.
Why Choose Us
Why HVAC contractors choose 1-800-INSURANCE
- Instant certificates of insurance (COIs) for commercial clients and GCs
- Coverage for residential, commercial, and industrial HVAC work
- Completed operations protection for post-installation claims
- Tools and equipment coverage for theft and damage
- Agents who understand HVAC contractor classification codes
- Help with EPA compliance documentation and requirements
Commercial insurance experts
Essential coverage for HVAC contractors
Compare quotes and get the specific policies your HVAC business needs
General Liability
Protect against property damage, refrigerant leaks, and injury claims from your HVAC work.
Workers' Compensation
Required coverage for technicians. Covers falls, burns, and workplace injuries.
Commercial Auto
Coverage for your service vehicles and the equipment you carry to job sites.
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
HVAC Insurance FAQs
What insurance do I need as an HVAC contractor?
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Most HVAC contractors need General Liability (with completed operations), Workers' Compensation for employees, and Commercial Auto for service vehicles. Inland Marine coverage for tools and equipment is also recommended.
Does HVAC insurance cover refrigerant leaks?
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Yes. General Liability covers property damage from refrigerant leaks. However, pollution liability for environmental cleanup may require additional coverage depending on the scope of the leak.
Why does HVAC insurance cost more than some other trades?
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HVAC work involves multiple high-risk activities—working on roofs, handling refrigerants, connecting gas lines, and electrical work. Each adds liability exposure. A clean safety record helps keep rates competitive.
Do I need special coverage for commercial refrigeration?
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Commercial refrigeration may require different coverage or classification than standard HVAC work. This is especially true for restaurant equipment, cold storage, or industrial refrigeration. Discuss your specific work types with your agent.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.