HVAC Insurance

HVAC insurance is critical for contractors, whether they work independently or for a large company. An HVAC insurance policy will cover you financially against all the known risks that come with operating as an HVAC technician.

Customized, affordable policies for all
Third-party injury or property damage
Tools & equipment covered

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HVAC Insurance

HVAC insurance is critical for contractors, whether they work independently or for a large company. An HVAC insurance policy will cover you financially against all the known risks that come with operating as an HVAC technician.

Starting from $30/month.

hvac insurance 

What It Covers
Student Rental Insurance, also known as Student Housing Insurance, is a specialized policy designed for landlords and property management companies. It protects them from loss or damage to their rental properties, as well as any damage or loss to the property’s contents and attached structures such as a parking garage.
Commercial General Liability (CGL)
CGL protects you from financial loss should you face a third-party property damage or bodily injury lawsuit. This can be as simple as a student slipping and falling in a hallway and deciding to sue.
Pollution Liability Insurance

This type of insurance covers you from financial loss due to third-party injury or damage to your property from pollutant-related incidents.

Who Needs It
N
Air duct cleaning or gas line installation
N
Boiler maintenance replacement
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Refrigerator repairs & furnace installations

A wide range of professionals can benefit from this plan. Any general contractor that does repairs or provides installation or maintenance services for HVAC systems needs coverage; specifically, tailored coverage. And coverage is essential for protection against lawsuits, and property owners expect that you have it. You don’t want to lose a job because you are uninsured. HVAC professionals perform a variety of services including:

hvac insurance

What Influences Cost

The cost of any type of insurance policy is always influenced by more than one factor. With HVAC Insurance, those factors include how many employees you have (be they independent contractors or technicians), if the project is residential or commercial, how many years experience you have, what tools and equipment you own, and your annual and projected revenue.

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On Subcontractors

As you may understand, insurance policies will typically cover full time employees of a business but exclude subcontractors. However, you can design your plan with extensions that cover them in an existing policy. Subcontractors are always recommended to purchase Professional Liability Insurance. Other contractors that can be covered or protected:

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Cable installers & appliance repairmen
N
Carpenters, cleaners & demolition experts
N
Interior designers, landscapers or painters
N
Plumbers, renovators & arborists
N
Plumbers, renovators & arborists
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