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HVAC Contractor Insurance

Affordable Coverage for Your HVAC Business

Simply Business is pleased to provide tailored insurance options from:

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ABIC logo.
CNA logo.
Harborway logo.
Hiscox logo.
Markel logo.
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HVAC Contractor Insurance That’s Made Just for You

As an HVAC technician, you’ve got a lot on your plate. From dealing with customer emergencies to preparing for the winter and summer seasons, you need business insurance that keeps up with you.

That’s where Simply Business comes in.

You see, we’re more than an online business insurance brokerage. We build highly unique, tailored, and affordable policies based on what you need. There’s no overpaying for coverage. No one-size-fits-all policies. Just insurance designed specifically for HVAC technicians like you.

What Insurance Do HVAC Technicians Need?

Since HVAC technicians and contractors work in clients’ homes, it’s safe to say you face a lot of unique risks. For example, if you end up installing a faulty cooling system in a customer’s home, you could be liable for any resulting damages. Or let’s say you leave your tools out and a customer trips over them. If the customer gets hurt, you might have to pay out-of-pocket for their medical bills.

Get your quote

Need more detail? Read our FAQs:

Coverage Type

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General Liability Insurance for HVAC Technicians and Contractors

General liability insurance for HVAC technicians and contractors - also known as commercial general liability (CGL) insurance - is a type of policy that covers the costs of third-party accidents and property damage caused by you and your business. Without this type of coverage, you may need to pay out-of-pocket for these costs.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • Defense costs
  • Supplemental payments

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to own employees
  • Known claims or potential claims

Learn more about General Liability Insurance.

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Professional Liability Insurance for HVAC Technicians and Contractors

Professional Liability insurance - which is also referred to as errors and omissions insurance (E&O insurance) - is a type of policy that provides coverage in the event a customer alleges negligence from your HVAC services. If your customer decides to sue your business for mistakes related to your services, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

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Workers Compensation Insurance for HVAC Contractors and Technicians

Workers compensation insurance can provide your HVAC business with protection if any employees get sick or injured while on the job. This type of policy is usually required by law as soon as you hire your first employee, so it’s a good idea to add it to your insurance coverage.

Here’s how workers compensation insurance works:

  • It can cover the medical costs and lost wages of an employee who’s hurt while working.
  • It can cover legal costs and settlements if that employee decides to sue you.

Learn more about workers compensation insurance.

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How Much Does HVAC Contractor Insurance Cost?

While HVAC insurance costs vary from business to business, you can get a good estimate for your policy’s price based on:

  • The number of employees and subcontractors you have
  • Your business location
  • The type of HVAC services you provide
  • And more

Want to find out how much your HVAC business insurance may cost? Just click here to answer a couple of questions about your business.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by Simply Business or your insurance carrier. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.