HVAC Insurance for Businesses

What Kind of Insurance Do I Need for a HVAC Business?

At a minimum, many HVAC companies will need general liability insurance. This helps protect your HVAC business from claims that it caused bodily injury or property damage to others.

It’s not uncommon that HVAC businesses and general contractors face other types of risks. So, you’ll want to get other types of business insurance for more protection. This can include:

Commercial auto insurance, which helps protect you and your employees on the road if you use company-owned vehicles for business.
Workers’ compensation insurance to help your employees if they get a work-related injury or illness.

How Much Is Insurance for a HVAC Company?

On average, our customers paid $1,019 a year, or about $85 a month, for a BOP.¹ HVAC insurance costs vary, so the best way to find out your price is to get a quote.

Who Needs HVAC Business Insurance?

We offer business insurance that can help protect different HVAC businesses, including:

HVAC contractors
HVAC technicians
Air conditioning installers, cleaners and repairers
Heating equipment installers, cleaners and repairers
Air conditioning and heating equipment stores

You Won’t Have to Wait With Us

We know how important your time is. That’s why we offer the option to get your certificate of insurance instantly online.

Protecting Your HVAC Operations

Different risks can impact your HVAC business operations, which can mean you can’t open or complete service requests. Having the right HVAC business insurance coverage can give you peace of mind and let you focus on running a successful company.

There were 1,778 deaths due to occupational transportation incidents in 2020.²

Car Accident

“I was on my way to a job site to fix a central air unit when I backed the company van into another car. They had to tow the other car to a local shop.”

Commercial auto insurance can help pay for bodily injury or property damage claims if you get into an accident while using a vehicle that your HVAC company owns for business.

Damaged Customer Property

“While bringing my ladder inside, I accidentally damaged the front door and entryway walls at a client’s house.”

General liability insurance can help cover property damage or bodily injury that your business causes to another person.

Protecting Your HVAC Property

Your tools and equipment are a critical part to the success of your HVAC business. The right HVAC business coverage can help protect your property from various risks.

HVAC business property and assets can cost up to $100,000.³

Damaged Tools and Equipment

“I stopped by our warehouse to pick up some tools when I discovered a leaking pipe in our storage room. The water ruined some expensive power tools that we had to replace quickly.”

Contractors’ Tools and Equipment Insurance Coverage can help pay to repair or replace damaged or lost tools and equipment that you need for your business.

Power Outage

“We couldn’t operate after a transformer blew from a storm. It took the utility company a few days to fix it and restore power.”

Business Income for Off-Premise Utility Services Coverage can help replace lost income if you can’t operate because of a power outage.

Taking Care of Your HVAC Team

Working with heavy equipment and chemicals means your employees can get hurt or sick from their jobs. HVAC insurance can help them recover and return to work faster.

There were 34,700 nonfatal injuries and illnesses in the plumbing, heating and air conditioning industry in 2020.⁴

Sprained Wrist

“My technician was fixing a heater when he slipped on some water. He landed awkwardly on his wrist and had to go to urgent care. He ended up having to miss work for a few weeks while the sprain healed.”

Workers’ compensation insurance gives your employee benefits to help them recover from a work-related injury or illness. It can help cover their medical bills and lost wages.

Computer Hacking

“One of my employees accidentally opened a spam email, which turned out to be a phishing attack. We ended up having a delay in work orders because we lost a bunch of business documents.”

Electronic Data and Interruption of Computer Operations Coverage can help pay to recover or reproduce damaged or lost data.

HVAC Insurance You Can Trust

Not all insurance companies are the same. Backed by more than 200 years of experience, we know HVAC businesses face unique risks. That’s why we’ve made it easy for companies to customize an insurance policy that’s right for their business. Whether you have questions about HVAC business insurance or need help with a claim, we’ve got your back.

HVAC Business Insurance That Has Your Back

Get the protection you need to help keep your small business running successfully.

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