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HVAC Contractor Insurance

Compare Free Quotes from Top Insurers. Get Your Affordable Policy in Just 10 Minutes.

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Simply Business is pleased to provide tailored insurance options from:

  • Accredited America
  • ABIC Insurance
  • Arch Insurance America
  • biBERK Business Insurance
  • Cerity Insurance
  • Clear Blue Insurance
  • CNA Insurance
  • Frank Winston Crum Insurance
  • Harborway Insurance
  • Hiscox Insurance
  • Markel Insurance
  • Preferra Insurance Company RRG
  • RLI Insurance
  • SolePro Insurance
  • Travelers Insurance
  • USG Insurance Services, Inc.

Say “Hello” to HVAC Insurance That “Gets” You.

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!HVAC Insurance Quotes

Insurance FAQs:

  • What is Business Insurance?

Coverage Type

Policies Available for HVAC Contractor Insurance:

  • General liability insurance
  • Workers compensation insurance


  • 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.
HVAC technician repairing residential AC unit

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
HVAC technician repairing commercial AC unit on roof

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.

Question marks

HVAC Insurance FAQs

  • 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 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.

HVAC technician repairing residential AC unit indoors

Why Choose Simply Business?

Simply Business is one of the fastest-growing online providers of small business insurance. We make it easy to compare and purchase business insurance policies from top providers. Thousands of small business owners trust us for protection so they can keep doing what they do best — growing their businesses.

But why choose us? The answer is simple:

We’re fast and affordable. You don’t have time to worry about your insurance, and that’s OK. We’ll make sure you’re equipped with the right policy from the get-go.

We’re flexible with coverage. Need to make a change to your policy? We’re ready to help when you need it.

We understand your business. The world doesn’t need another one-size-fits-all insurance policy. Get the complete protection your HVAC business needs from day one.

You’ve worked hard to build your HVAC business, so you should have insurance coverage that works just as hard.

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.

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