HVAC contractors work with refrigerants, electrical systems, and heavy equipment — exposing your business to property damage, injury claims, and equipment failures. Our HVAC insurance programs cover the full spectrum of heating, cooling, and ventilation risks.
Coverages we place
General liability for property damage from installations and repairs
Workers' comp for chemical exposure, electrical shock, and falls
Tools & equipment for HVAC-specific instruments and recovery machines
Commercial auto for service vehicles and parts inventory in transit
Equipment breakdown coverage for customer HVAC units during service
Completed operations for callbacks and post-installation claims
Pollution liability for refrigerant leaks (EPA compliance)
License and permit bonds
Who needs this coverage
HVAC contractors, heating specialists, air conditioning repair companies, ventilation system installers, and refrigeration contractors.
What drives your premium
Type of work (residential vs. commercial, install vs. service)
Revenue and number of technicians
Refrigerant handling and EPA certifications
Use of subcontractors
Vehicle fleet size and driving records
Common exclusions
Intentional improper refrigerant venting
Work on systems you're not licensed to service
Mold resulting from HVAC failures (endorsement available)
At minimum: general liability, workers' comp, commercial auto, and tools coverage. Many HVAC companies also need pollution liability for refrigerant handling and equipment breakdown coverage.
Does insurance cover refrigerant leaks?
Standard GL may exclude pollution events. We add a contractor's pollution liability endorsement that covers accidental refrigerant releases — important for EPA compliance.
How much does HVAC insurance cost?
A typical HVAC contractor with $500K revenue and 3-5 employees can expect $3,000–$7,000/year for a full package. Actual costs depend on your specific operations and claims history.