HVAC Contractors insurance · Nationwide
Coverage that keeps pace with refrigerant rules and rooftop risk
A federally regulated refrigerant, a rooftop unit, and a furnace install that has to be right the first time. HVAC work carries its own specific exposures. We connect you with specialists who price it accordingly.
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Coverage HVAC contractors carry
HVAC sits between a trade and a regulated activity. You are lifting heavy equipment onto roofs, running gas and electric, and handling refrigerant under EPA rules that carry their own penalties, and the policy has to answer for all three.
General Liability
Third-party injury and property damage, including a system that fails or floods after commissioning.
The classic claim is a condensate line or a brazed joint that lets go after handover, which lands as completed operations. Commercial contracts usually specify $1M / $2M.
Workers' Compensation
Medical bills and lost wages for techs working on roofs, in attics, and around live gas and electric.
Required in nearly every state with employees. Rooftop and attic work in summer heat is what drives the rate, so carriers will ask how you schedule around it.
Commercial Auto
Service trucks, recovery machines, and refrigerant cylinders in transit: liability, collision, and hired or non-owned autos.
Cylinders in a van are a cargo question as well as a driving one. Tell the carrier what you haul; an undisclosed load is the sort of thing found only at claim time.
Tools & Equipment
Gauges, recovery machines, vacuum pumps, and brazing kits stolen from the truck or damaged on site.
Recovery equipment and digital manifolds are worth thousands and live in the van. Property policies stop at the building line, which is exactly where this starts.
Commercial Umbrella
Extra limits above general liability and auto for commercial and institutional contracts.
Schools, hospitals and property managers commonly require $5M before you can touch a rooftop unit. An umbrella is the cheap way to reach it.
Commercial Property
Your shop, stock of units and parts, and shop equipment against fire, theft, and storms.
Condensers and copper line sets sitting in a yard are stolen for scrap. Check the limit against a full stock, not an average month.
FAQFrequently Asked Questions
General liability can respond to a third-party claim stemming from an incident, but EPA fines for improper refrigerant handling are a separate regulatory penalty. Proper Section 608 certification and handling procedure is the real prevention, not insurance.
Completed-operations coverage, part of your general liability policy, is built for exactly this. Claims that surface well after the job is finished and signed off.
Yes, if you carry workers' compensation. Rooftop and attic work is routine in HVAC, and workers' comp covers injuries on the job regardless of height.
Not usually separate policies: general liability and completed operations apply to both, but make sure your agent knows the mix of service, install, and new-construction work you do so limits are set correctly.