HVAC Insurance
HVAC Insurance for Heating & Cooling Contractors
General liability, workers comp, commercial auto, and pollution coverage for HVAC contractors in Illinois, Iowa, Wisconsin, and Indiana. We shop multiple carriers so you don't have to.
✓ Same-Day COIs · ✓ Residential & Commercial · ✓ Serving IL, IA, WI & IN
Who We Insure
Coverage for Residential and Commercial HVAC
HVAC contractor insurance for service shops and install crews.
Residential HVAC
Coverage for installs, service calls, and maintenance agreements.
- Furnace and AC installation
- Service and maintenance plans
- Ductwork and ventilation
- Heat pumps and mini-splits
Commercial HVAC
Coverage that meets GC and property manager contract requirements.
- Rooftop units
- Boilers and chillers
- Building maintenance contracts
- Commercial refrigeration
One application. Multiple HVAC contractor markets.
Compare My Rate →The Problem
Why HVAC Insurance Is Hard to Get Right
HVAC claims often show up months after the job. These are the gaps we see most.
Water and Freeze Damage
A failed install or missed connection can flood or freeze a building. Completed operations coverage has to respond.
Carbon Monoxide Claims
Venting and combustion errors can lead to bodily injury claims. Some policies carry exclusions.
Refrigerant and Pollution
Standard general liability excludes most pollution. Refrigerant releases and mold need separate coverage.
Rooftop Work
Falls and roof damage drive workers comp and liability claims on commercial jobs.
Contract Requirements
GCs and property managers require additional insured, waiver of subrogation, and primary wording.
Tools and Equipment
Recovery machines, gauges, and vacuum pumps are not covered by general liability.
Coverage
What We Cover
HVAC contractor coverage built around your work.
General Liability
Bodily injury and property damage from your work, including completed operations.
Workers Comp
Employee injury coverage for installers and service techs.
Same-Day COIs
Certificates with additional insured wording sent the same business day.
Commercial Auto
Service vans and trucks used for calls and job sites.
Tools & Equipment
Tools and diagnostic equipment on the job, in the van, or in storage.
Installation Floater
Units and materials in transit and on site until the job is accepted.
Contractors Pollution
Refrigerant releases, mold, and other pollution claims tied to your work.
License & Permit Bonds
Bonds required for licensing and permits, placed with your insurance.
Umbrella
Extra liability limits for larger contracts.
Work We Insure
HVAC Contractor Insurance for Every Job Type
HVAC insurance quotes for residential, commercial, and service contractors across Illinois, Iowa, Wisconsin, and Indiana.
Furnace & AC Installation
New and replacement system installs.
Service & Maintenance
Repair calls and maintenance agreements.
Ductwork & Sheet Metal
Duct installation, cleaning, and fabrication.
Heat Pumps & Mini-Splits
Heat pump and ductless system installs.
Boilers & Hydronics
Boiler, radiant, and hydronic heating.
Commercial Refrigeration
Walk-in coolers, freezers, and refrigeration service.
Pricing
What Affects HVAC Insurance Cost?
Every HVAC contractor is rated differently. These are the biggest factors.
Payroll and Revenue
General liability and workers comp are rated largely on revenue and payroll.
Type of Work
Residential, commercial, and rooftop work are priced differently.
Install vs. Service
Shops with more service and maintenance work often rate lower than install-heavy shops.
Loss History
Three to five years of clean loss runs open up more carriers and better rates.
Tell us about your HVAC work. We shop the markets.
Get My Quote →| Question | Answer |
|---|---|
| How much does HVAC insurance cost? | Cost depends on payroll, revenue, type of work, install and service mix, and loss history. Contractors with clean loss history get the widest choice of carriers. |
| Does general liability cover water damage from a failed install? | Property damage from your finished work is typically covered under the completed operations part of general liability. Some policies limit water damage, so review your exclusions. |
| Is carbon monoxide covered? | Bodily injury from carbon monoxide tied to your work is typically covered under general liability. Some policies carry exclusions, so we review them before you bind. |
| Do I need pollution coverage? | Standard general liability excludes most pollution. Contractors pollution liability covers claims such as refrigerant releases and mold tied to your work. |
| Are my tools covered under general liability? | No. General liability does not cover your own tools and equipment. You need tools and equipment coverage. |
| What is an installation floater? | An installation floater covers units and materials in transit and on the job site until the owner accepts the work. |
| How fast can I get a certificate of insurance? | Certificates with additional insured wording are typically sent the same business day. |
| What do I need to get a quote? | Business address, years in business, license number, payroll, revenue, residential and commercial split, subcontracted costs, and three to five years of loss runs if available. |
Get Started
Get Your HVAC Quote
One application. Multiple HVAC contractor markets. A licensed agent reviews every quote.
✓ Same-Day COIs · ✓ Residential & Commercial · ✓ Serving IL, IA, WI & IN