Business Insurance for HVAC Installation

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Save money by comparing insurance quotes for HVAC installation businesses

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 HVAC contractors and businesses compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do HVAC contractors and installers need?

These policies provide coverage for the most common risks of HVAC installation.

General liability insurance icon

General liability insurance

This policy covers common HVAC installation risks, such as damage to a client’s home while moving heavy equipment. Bundle with property insurance for savings in a BOP.

BEST FOR
  • Customer injuries
  • Customer property damage
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for HVAC businesses that have employees. It can cover medical bills for work-related injuries.

BEST FOR
  • Employee medical expenses
  • Missed wages
  • Legal costs
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.

BEST FOR
  • 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.

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

How much does insurance cost for HVAC installers?

Installer calculating insurance costs.

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

  • Heating, ventilation, and air conditioning installation services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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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 legal and financial losses related to injuries, property damage, and other risks.

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