Skip to main content

HVAC Contractor

Whether you’re turning up the heat or the A/C, you need HVAC contractor insurance.

HVAC contractor insurance designed to best fit your needs.

Home » Industries » HVAC Contractor

Whether you’re turning up the heat or keeping the cool air flowing, your customers rely on you to make their home or work environment a comfortable place to be. Consider an insurance policy that is developed for the work you do.

Your business likely has a home base of operations, but your employees are also traveling to various job sites each day. Visiting the homes and buildings of your customers carries specific risks. For example, what if a customer is hurt or damage is done to their property? A general liability policy may protect you financially from lawsuits that may arise. In addition, an umbrella liability policy may offer additional coverage limits that go beyond the basic policy.

Protection for your materials and equipment.

You can’t serve your clients if you do not have the proper materials and equipment. If something happens to these, they can be costly to replace. Because of this, your property insurance policy should provide coverage for the tools and machinery used to perform your services. Also, consider inland marine insurance to help protect items in transit between sites or your headquarters.

Workers’ compensation insurance is a must.

Generally speaking, workers’ compensation insurance is required. Even the most well-trained employees can get hurt on the job, especially in an industry that can have them working on rooftops, in basements, and in multiple locations. For this reason, having coverage appropriate for the HVAC industry and the areas your business serves is essential.

HVAC contractors need business auto insurance.

Because your business requires your employees to travel and haul equipment, you likely have a fleet of vans, trucks, and trailers. Vehicles owned by the company should be covered under a business auto insurance policy if there is an accident. This policy may also cover damage due to vandalism or theft. If employees use their own vehicles for business, you’ll also want to purchase hired and non-owned auto insurance.

What are the risks that HVAC contractors face?

As an HVAC contractor, the primary risk factors are personal injury while on the job, accidental damage to a client’s property, or even a fire caused by mistake. These are liability issues you’ll want to have covered in your insurance policy.

Common coverages that you should have to help protect your business:
  • Workers’ Compensation
  • Automobile
  • Property
  • Professional Liability
  • Directors & Officers
  • Employment Practices Liability
  • Pollution Liability
  • General Liability
  • Risk Management
  • Loss Control
  • OSHA Compliance & Reporting
  • Claims Cost Containment
  • Mod Analysis
Don’t neglect the business side of your organization.

Employment practice liability insurance (EPLI) may help cover expenses associated with defense against claims of discrimination, harassment, or unlawful termination practices. You’ll want to consider cyber liability insurance that can offer protection against hackers and data breaches. Professional liability insurance may help pay for an attorney and court fees. On the other hand, it may cover damages that are associated with lawsuits alleging damage to a property due to negligence.

We’re happy to discuss the HVAC contractor insurance needs of your business. Contact us to learn more.

HVAC Contractor Insurance - HVAC Mechanic Using Pressure Gauge Equipment for Home Air Conditioner After Maintenance and Checking Outdoor Air Compressor Unit

Get Started Today

As an independent agency, we are here to help you find the right HVAC Contractor coverage.

Talk to an Expert

  HVAC Contractor Conversation Request

As an independent agency, we are here to help you find the right coverage.

  • Max. file size: 300 MB.
    Have a copy of your current policy? Send it to us so we can provide you with a more accurate quote.
  • By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message from Bickle Insurance Services. Message frequency varies by service request. Message and Data Rates may apply. You can STOP messaging by sending STOP and get more help by sending HELP. View our terms and privacy policy at our website.
  • This field is for validation purposes and should be left unchanged.

Talk to an Expert

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Review options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!