The HVAC contractor insurance specialists
General liability, refrigerant handling, and combustion exposure coverage — built for how heating and cooling businesses actually work. Install crews, service techs, solo operators, and everything in between.
No spam. Same-day coverage is typically available, and your certificate of insurance is issued instantly after you bind.
Get your free quote
Step 1 of 4How it works
A few quick questions about your HVAC business — about two minutes.
Licensed agents build a custom quote for your business — typically back the same business day.*
Get your custom quote, review the coverage, and enroll right away — on your schedule.
Once you bind, your certificate of insurance is issued instantly — ready to send to any client or GC.
*Quote turnaround is typical during normal business hours and may vary. Coverage, same-day availability, and eligibility are subject to carrier underwriting and approval.
"You're in mechanical rooms, on rooftops, and inside gas lines every day. We build coverage around the real exposure that comes with it."
Coverages
HVAC carries risk most trades don't touch. Here's how we cover it.
The foundation — and it has to be built for combustion exposure. Responds to third-party bodily injury and property damage, including claims tied to carbon monoxide from improper venting or a botched gas line connection.
A furnace install that fails or leaks months later isn't your last claim, it's your first. Completed operations coverage responds to failures that surface long after the job is done.
Inland marine coverage protects manifold gauges, refrigerant recovery machines, combustion analyzers, and leak detectors — whether on the job site, in your truck, or in transit.
The van or truck loaded with refrigerant tanks and gauges. Personal auto policies often exclude business use — we'll help you review whether you need commercial coverage.
Required in most states if you have employees. Rooftop work, confined spaces, and combustion exposure make this a priority for HVAC crews. We'll help you determine what's required in your state.
Blanket additional insured and waiver of subrogation endorsements — the coverage language most GCs, property managers, and commercial clients require before you touch a mechanical system.
Coverage descriptions are general summaries. Actual coverage is governed by the policy issued and is subject to underwriting, terms, and carrier availability.
Who we insure
Furnace, AC, and heat pump installs and service calls in homes.
Rooftop units, chillers, and mechanical systems in office and retail buildings.
Licensed contractors managing install crews, subs, and larger mechanical projects.
One-truck operations that need GL fast — often for a specific job or client.
Commercial refrigeration, duct work, and EPA 608-certified specialty techs.
Just starting out? New ventures welcome. Get covered from day one. →
Wondering about price?
Combustion and refrigerant exposure put HVAC in a higher premium band than lighter trades. Your premium depends on revenue, install vs. service mix, employees or subs, and the states you operate in. See what drives the number — and what you'd likely pay.
See the full cost breakdown →FAQ
Tell us about your business and our licensed agents will build your custom quote — typically back the same business day. Review your quote, enroll yourself, and your COI is issued instantly after you bind.
The specialist insurance program for HVAC contractors.