Heating, cooling, and ventilation contractors
HVAC contractor insurance for heating and cooling businesses
HVAC techs work with gas lines, electrical systems, refrigerants, and heavy equipment in customers’ homes and buildings. Kaufman Insurance Group compares HVAC contractor insurance from multiple companies so you can protect your business and meet customer requirements.
- Liability for service, repair, and installs
- Coverage for vans, tools, and equipment in transit
- Certificates for builders and commercial customers
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare HVAC contractor insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What HVAC contractor insurance is
HVAC contractor insurance is a group of business policies for companies that install, service, and repair heating, air conditioning, ventilation, and refrigeration systems. It protects you from claims that your work caused injury or property damage, and it protects your vans, tools, and equipment.
HVAC work carries risks that are specific to the trade. A furnace install could lead to a gas leak or carbon monoxide claim. A condensate line could leak into a ceiling. A rooftop unit could be dropped during a lift. Your general liability policy, including coverage for completed work, helps address claims like these.
HVAC businesses also carry valuable equipment, such as recovery machines, gauges, and replacement units on their trucks. Tools and equipment coverage helps protect these items when they are stolen or damaged.
Residential HVAC
Furnace, air conditioner, heat pump, and ductwork service and installation.
Commercial HVAC
Rooftop units, refrigeration, and building systems for businesses.
Know what you are choosing
Coverages HVAC contractor businesses commonly need
Every business is different, and the options depend on the company. These are the policies we review most often for this trade.
General liability
Helps pay for injuries and property damage your work causes, including after the job is done, depending on the policy.
Tools and equipment
Covers gauges, recovery machines, and equipment, and sometimes units in transit.
Commercial auto
Covers service vans and trucks used by your techs.
Workers compensation
In Ohio, this coverage comes from the state, not an insurance company. If you have employees in other states, we can help with workers compensation there as it comes up.
Equipment you install
Some policies can cover equipment on its way to or at a job site before installation.
Umbrella or excess liability
Adds higher limits for commercial contracts.
Is it right for you
Who we help
We help HVAC businesses from solo techs to multi-truck companies.
Residential service companies
Maintenance plans, repairs, and replacements for homeowners.
New construction installers
Duct and system installs for builders.
Commercial and refrigeration contractors
Rooftop units, chillers, and refrigeration systems.
Duct cleaning and indoor air businesses
Ventilation and air quality services.
Adding techs or trucks this season? An agent can update your coverage.
How Kaufman helps
How we help HVAC contractor businesses
We are an independent agency, so we can compare coverage from multiple companies and put the right pieces together for your business.
Tell us about your work
Share the HVAC work you do, residential or commercial, any gas or refrigeration work, your revenue or payroll, and your vans.
We compare companies
An agent reviews options from the companies we work with and explains limits, exclusions, and any contract requirements.
Get covered and get certificates
Choose your coverage. We can issue certificates of insurance and add customers as additional insureds when your policy allows.
We focus on Ohio and North Carolina, and we can also help contractors in most other states. See our contractor insurance page for other trades, or learn more about general liability insurance.
Common questions
HVAC Contractor Insurance questions
What insurance does an HVAC contractor need?
Most HVAC contractors need general liability, commercial auto, tools and equipment coverage, and workers compensation if they have employees. Commercial contracts may require an umbrella policy.
Does my policy cover gas or carbon monoxide claims?
Coverage depends on the policy wording. Some policies have exclusions related to pollution or certain types of work. We review these details with you.
Is the equipment on my truck covered?
Tools and equipment coverage can help protect gauges, machines, and sometimes units you are delivering. General liability does not cover your own property.
Do I need workers compensation?
If you have employees, you generally need it. In Ohio, workers compensation is run by the state through the Ohio Bureau of Workers’ Compensation, so Ohio employers get it there rather than from an insurance agency. If your business has employees working in states outside Ohio, Kaufman Insurance Group can help with workers compensation for those states as it comes up.
Can you send certificates of insurance to my customers?
Yes. Once your policy is active, we can issue certificates of insurance and, when your policy allows, add customers or general contractors as additional insureds.
Related coverage
Related contractor and business coverage
Insurance for plumbers and electricians
Coverage for plumbing and electrical contractors.
Explore plumber and electrician insuranceCommercial auto insurance
Coverage for the trucks, vans, and cars your business uses.
Explore commercial autoGeneral liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityConstruction and contracting insurance
Coverage for contractors and trades, from handymen and remodelers to roofers and HVAC pros.
Explore contractor insuranceReady to protect your business?
Start a HVAC contractor insurance quote online, or contact us with questions. An agent at Kaufman Insurance Group will help you compare your options.
Prefer to talk? Call (330) 486-8404.