HVAC contractor insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$20.75
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$20.75
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
Written by
What Is HVAC Contractor Insurance and Why Do You Need It?
As an HVAC contractor, you’re juggling quite a bit. You’ve worked hard to get to where you are in your career, so shouldn’t your business be protected by an insurance policy that understands the coverage you need?
Here at Simply Business, we offer HVAC contractors liability insurance policies that can shield your business from whatever risks come your way. Just answer a few easy questions, compare your free quotes from top insurers who get your business, and choose the plan that works best for you.
The best part? You can start browsing quotes in less than 10 minutes.
See what it’s like to have HVAC insurance that is more tailored to your needs. Get your free quotes now!
What Type of HVAC Contractor Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
Policies Available for HVAC Contractor Insurance:
- General liability insurance
- Workers compensation insurance
Benefits:
- It can protect your business from certain claims.
- It can cover accidents & damages caused by your negligence.
- Proof of insurance can help customers feel good about your work.
- It may be legally required where you’re located.
What Type of Insurance Do I Need for My HVAC Contractor Business?
The components of your HVAC contractor insurance will depend on your business’s needs. Below are the core policies we recommend for the best HVAC insurance:
Commercial General Liability Insurance
With commercial general liability (GL) insurance, HVAC contractors are covered for any costs that result from situations like accidents that cause third-party property damage or bodily injury.
General liability insurance is essential for HVAC contractors for many reasons, with the most important being that without it, you’d be responsible for covering these costs yourself. With the average claim for property damage or accidents for small businesses being around $30,000, paying for these claims with your hard-earned money can be devastating.
Even if you’re the most cautious HVAC contractor in your area, accidents can still happen. For example, let’s say one of your employees was carrying an AC unit into a customer’s house and didn’t realize the storm door was closed. He walked right into the door, which shattered the whole thing completely. General liability insurance could cover the damages to the broken door.
Without HVAC contractor liability insurance, you’d have to pay all associated costs yourself. Lucky for you, your policy will cover your customer’s repair bills, along with any other fees (like if they hire a lawyer and sue you).
So what could a general liability policy cover? Here’s a quick look:
- Bodily injury to another person
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- And more
Now here’s what general liability insurance usually doesn’t cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Automobiles while in business use
- Expected or intentional injury or damage
- And more
Workers Compensation Insurance
For the majority of states, if you have any employees — temporary, part-time, or full-time — you’re required to carry workers compensation insurance. This insurance, also known as workers comp, protects your business if your employees get injured or sick while working.
Carrying workers compensation insurance is a responsible thing for HVAC contractors to do. No matter how careful you are, accidents can happen. In fact, in 2018, skilled laborers had the highest number of injuries and illnesses among private-industry occupations.
Workers compensation insurance for HVAC contractors can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should I Get Insurance for My HVAC Contractor Business?
You’re juggling new customers, emergency calls, and seasonal prep, all while trying to create a profitable business. The last thing you want to think about is paying for HVAC contractors insurance.
Here’s the reality: The amount you spend on insurance is a fraction of what you could potentially spend on work-related incidents. Covering the cost of an employee’s medical bills if they get hurt on the job or paying the fees associated with a lawsuit could be damaging to an HVAC contractor business, especially if you’re just getting started.
Just how much would it cost you? Consider the average costs that small business owners are at the risk of paying without proper insurance:
- Reputational harm: $50,000
- Customer injury or damage: $30,000
- Customer slip and fall: $20,000
- Burglary and theft: $8,000
Not only are accidents expensive to pay out-of-pocket, but so are lawsuits. The average cost for a business liability lawsuit starts at around $54,000, which could be a significant expense for a small business.
It’s important to note that you don’t have to do anything wrong to be sued by a customer. You could do everything right from start to finish and provide the best services, but if your customer decides to sue you, you’re responsible for paying those fees out of pocket. Plus, you may have to hire a lawyer, which adds up quickly!
But with the right insurance, you won’t have to worry about a single fee.
In addition to protecting your business, having insurance does more than keep you protected. Carrying proof of insurance can be the difference between hitting major milestones with your HVAC contractor business, such as:
- Acquiring more vehicles for your fleet
- Recruiting other HVAC contractors to work with you
- Earning customers’ confidence and trust
- Expanding your service area
- And more!
When you purchase your insurance policy through Simply Business, you’ll receive a certificate of insurance (COI), so you can start providing proof of coverage.
What Does HVAC Contractor Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More HVAC Contractor Insurance Coverage Questions
If you have employees, you may be required to carry workers compensation insurance. You also may be required to carry HVAC liability insurance, depending on where you live. There may be other specifics for HVAC contractors that may require insurance coverage. Our licensed insurance agents are happy to help you figure out what coverage you need for your state.
In general, you can deduct the cost of your insurance premiums when filing your business’s taxes each year. For the specifics of what business expenses are deductible, we recommend speaking with an accountant.
The amount of coverage your business will need depends on several factors, including:
- The size of your business
- Your business’s location
- Your annual revenue
- And more
Our quote form provides you with the recommended amount of coverage per your business specifics. If you have additional questions, our licensed insurance agents can help you.
To make the quoting process as quick and easy as possible, we recommend having the following information on hand:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Your state may have different insurance requirements for HVAC contractors than other states. Our quote process can provide you with insurance specific to your state. Our insurance agents can help you better understand your state’s requirements for HVAC insurance.
A complete insurance plan with both general liability and workers compensation insurance (if you have employees) can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Unintentional mistakes
- And more
The price of your HVAC policy is determined by the type of work you’re doing and if you have employees. You can expect your policy costs to be determined by these factors:
- Payroll estimates
- The location of your business
- The specific services you offer
- And more
Ready to see how much your HVAC insurance may cost? Follow this link to answer a few questions and get HVAC insurance quotes.
If you offer additional services, our licensed insurance agents can help you find the right insurance plan that provides the most coverage for your business needs.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
Start your quote
Answer a few questions about
your business in one form.
Review quotes
Compare quotes side by side from top-rated insurers and customize your coverage.
Get protected in minutes
Choose your policy, and get instant proof of insurance – all online, and all within 10 minutes.
Written by
Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
We’ve Got More Helpful Information
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
Page last updated: