Business Insurance for HVAC Contractors

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Heating and Air Conditioning
Three HVAC units sitting behind an apartment complex.
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Save money by comparing insurance quotes for HVAC contractors

An injury from lifting an air conditioner or a lawsuit over damage to a home can lead to massive financial loss. HVAC insurance covers medical bills, legal fees, and other unanticipated costs.

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One application, multiple quotes

Insureon helps residential and commercial HVAC contractors and businesses compare insurance quotes from top U.S. providers online. Get several quotes with one application.

What types of insurance do HVAC contractors need?

These policies cover the most common risks of HVAC installation.

General liability insurance icon

General liability insurance

This policy covers basic third-party risks, such as damage to a client’s home while moving HVAC equipment. Bundle with commercial property insurance for savings in a BOP.

  • Customer injuries
  • Customer property damage
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for HVAC businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers property damage and injuries involving HVAC company vehicles, as well as repairs to vehicles damaged by vandalism or weather.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of an HVAC contractor’s psychrometers, multimeters, and other tools if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

Why do HVAC installers need insurance?

Heating, ventilation, and air conditioning installation is a booming industry. However, working with heavy equipment can lead to employee injuries or damage to a client’s home or office. HVAC insurance can cover financial losses related to injuries, property damage, and lawsuits from dissatisfied customers.

How much does insurance cost for installers?

Installer calculating insurance costs.

Several factors will have an impact on insurance costs, including:

  • Installation services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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Heating and Air Conditioning