Commercial Insurance for HVAC Contractors

HVAC Contractor Insurance — Workers Comp, GL & Commercial Auto

As an HVAC contractor, you face unique risks every day —
working with electrical systems, refrigerants, confined
spaces, and heights. The right insurance coverage protects
your business, your employees, and your clients.

We specialize in commercial insurance for HVAC contractors
across Texas, Tennessee, Georgia, and California. As an
independent agency with E&S market access, we find
competitive rates even for hard-to-place risks.

Workers Compensation for HVAC Contractors

Workers comp is required for HVAC contractors with employees
in most states. HVAC work is classified under class code 5183
which covers heating, cooling, and plumbing installation work.

Your workers comp premium is based on your payroll, your
class code, and your experience modification rate. We work
with multiple carriers to find the most competitive rate
for your specific situation.

General Liability for HVAC Contractors

General liability insurance protects your HVAC business
from third-party claims of property damage or bodily injury.
If you accidentally damage a client’s property during an
installation or a customer slips and falls at your job site,
GL coverage pays for the claim and legal defense.

Most commercial property owners and general contractors
require HVAC subcontractors to carry at least $1 million
in general liability coverage before starting work.

Commercial Auto Insurance for HVAC Contractors

Your work trucks and vans carry expensive equipment and
tools every day. Personal auto insurance does not cover
vehicles used for business purposes. Commercial auto
insurance protects your vehicles, equipment, and drivers
while on the job.

E&S Markets for HVAC Contractors

Some HVAC contractors struggle to find affordable coverage
due to claims history, class code, or business size.
We have access to Excess and Surplus Lines markets that
can place coverage other agents cannot.

Frequently Asked Questions

What insurance do HVAC contractors need?
Most HVAC contractors need workers compensation, general
liability, and commercial auto insurance. Some jobs also
require umbrella liability coverage.

How much does HVAC contractor insurance cost?
Costs vary based on payroll, revenue, number of employees,
and claims history. Workers comp for HVAC typically runs
$8-15 per $100 of payroll depending on your mod rate.

Can I get same day coverage?
Yes. We can bind coverage same day in most cases.
Certificates of insurance are issued immediately after binding.

Get an HVAC Contractor Insurance Quote

Fill out the form above for a fast quote on workers comp,
general liability, or commercial auto for your HVAC
business. Most quotes delivered within 24 hours.