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 damage to a client’s home while moving an air conditioning unit, and other third-party risks. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).
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.
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.