HVAC Business Insurance Made Simple
Affordable coverage for HVAC contractors, service vans, tools, equipment, technicians, and job sites.
"Takes less than 2 minutes • No obligation"
General Liability • Commercial Auto • Workers Comp • Tools & Equipment • Property Damage
Insurance Built for How HVAC Contractors Actually Work
Every HVAC business is different — from your service vehicles and tools to your technicians, installations, and customer properties.
That’s why we help you find coverage built around your operation — not one-size-fits-all policies.
A Simple Approach to HVAC Insurance
We make HVAC insurance easy to understand and easy to manage. Get coverage built to protect your business, service vans, technicians, tools, equipment, and installations.
Commercial Auto Coverage
Protect your HVAC vans, trucks, trailers, and technicians on the road. Coverage helps pay for accidents, injuries, property damage, and legal claims.
HVAC Trailer Coverage
Protect your enclosed trailers, utility trailers, tool trailers, and transported HVAC equipment while on the road, at job sites, or in storage. Coverage helps protect against theft, collision damage, vandalism, fire, and unexpected losses.
Tools & Equipment Coverage
Protect gauges, recovery machines, ladders, vacuum pumps, tools, diagnostic equipment, and HVAC inventory from theft, fire, vandalism, and unexpected damage.
General Liability Coverage
Coverage for customer injury claims, accidental property damage, installation mistakes, and job-site incidents while working at residential or commercial properties.
Commercial Property Coverage
Protect your office, warehouse, inventory, HVAC units, tools, and business property from theft, storms, vandalism, fire, and unexpected losses.
Business Interruption Coverage
Unexpected losses can slow down your business. Business interruption coverage helps replace lost income if your operations are interrupted by covered events.
Workers Compensation Coverage
Protect your technicians with workers compensation coverage designed for active HVAC job sites, installations, repairs, rooftops, and service calls.
FAQs
Got Questions? Find Your Answers Here!
What types of HVAC businesses do you insure?
We help insure residential HVAC contractors, commercial HVAC companies, refrigeration specialists, AC repair businesses, and mechanical contractors of all sizes.
Can I get coverage for my HVAC vans, trailers, and tools?
Yes. We can help you find coverage for service vans, enclosed trailers, ladders, gauges, recovery machines, HVAC tools, and transported equipment.
How quickly can I get an HVAC insurance quote?
Most quotes can be started in just a few minutes. In many cases, we can help provide same-day coverage and certificates of insurance.
Do you offer workman's comp for HVAC technicians?
Yes. We help HVAC businesses find workers compensation coverage designed to protect technicians working on active job sites, rooftops, and installations.
What if I accidentally damage a customer’s property?
General liability coverage can help protect your business from claims involving accidental water damage, installation issues, ceiling damage, electrical issues, or customer property damage..
Can you help newer HVAC businesses get insured?
Absolutely. We work with both established HVAC companies and newer contractors looking for affordable coverage options for vehicles, tools, trailers, and business operations.