HVAC Contractor Insurance

Heating and Air Conditioning
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Why do HVAC contractors and businesses need insurance?

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.

Contractor evaluating recently installed HVAC system.
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One application, multiple quotes

Insureon helps residential and commercial HVAC 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 insurance policies cover the most common risks of HVAC installation.

General liability insurance icon

General liability insurance

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.

  • Customer bodily injuries
  • Customer property damage
  • Products-completed operations coverage
Business owner’s policy icon

Business owner's policy

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.

  • Accidental damage to a customer's property
  • Customer injuries
  • Business property damage
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee medical expenses
  • Disability benefits
  • Employer's liability coverage
Commercial auto insurance icon

Commercial auto insurance

This policy covers financial losses in an accident involving an HVAC company's vehicle. Most states require it for business-owned vehicles.

  • Injuries caused to another person
  • Property damage caused by a company vehicle
  • Vehicle vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

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.

  • Equipment less than five years old
  • Equipment that travels to job sites
  • Small tools
Cyber liability icon

Cyber insurance

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.

  • Data breach notification costs
  • Fraud monitoring services
  • Cyber incident investigations
Looking for different coverage? See more policies.

How much does insurance cost for installers?

Installation professional calculating insurance costs for their business.

A small business with a few workers will pay less for insurance than a large company.

Factors that affect premiums include:

  • Installation services offered
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get HVAC contractor 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

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.

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