Heating, ventilation, and air conditioning (HVAC) work comes with hefty risks. A worker could hurt their back lifting a unit, or an air conditioner could leak and damage a client's floors. HVAC insurance covers medical bills, legal fees, and repair costs. Some policies, like workers' comp, may be required by law.
These insurance policies cover the most common risks of HVAC installation.
A general liability policy covers common third-party risks, such as damage to a client’s home while moving an air conditioning unit. It may be required for a commercial lease, loan, or contract.
A business owner's policy, or BOP, is a cost-effective way for HVAC installers to buy general liability coverage and commercial property insurance together.
Most states require workers' comp insurance coverage for HVAC businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy covers financial losses in an accident involving an HVAC company's vehicle. Most states require it for business-owned vehicles.
This policy covers repair or replacement of an HVAC technician's psychrometers, multimeters, and other tools if they are damaged, lost, or stolen. It's a type of inland marine insurance that protects mobile property.
Cyber insurance helps cover the cost of a data breach or cyberattack at your HVAC installation business. It's sometimes called cyber liability insurance or cybersecurity insurance.
It's easy to get commercial general liability insurance and other HVAC insurance policies if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits the risks of installing HVAC systems, whether you're a contractor or an employer.