Industry guide
Insurance for HVAC contractors
HVAC contractors install and service equipment that runs on gas, electricity, and refrigerants inside other people's homes and buildings. Claims can surface long after the job, such as water damage from a condensate line or a fire tied to an installation, which makes completed operations coverage and accurate classifications important.
Where insurance questions come from
Work inside customers' buildings
Property damage and injuries during service calls are general liability questions.
Claims after the job
Problems from finished installations fall under completed operations within general liability.
Service vans
Vans carrying parts and tools, often driven home by technicians, are a commercial auto question.
Tools and inventory in vans
Parts and tools in vehicles are usually covered by inland marine, not auto.
Coverage that commonly comes up
- General Liability InsuranceService calls and completed installations.
- Commercial Auto InsuranceService vans and take-home vehicles.
- Workers' Compensation InsuranceTechnicians and installers.
- Business Owner's Policy (BOP)Some smaller HVAC shops qualify.
This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your business, talk with a licensed insurance agent.
Paperwork customers and contracts ask for
- Certificates of insurance for general contractors and property owners
- Additional insured and waiver of subrogation endorsements
- Workers' compensation certificates from your subcontractors
- Vehicle and equipment schedules
Keep these together in your PolicyChecked account, so you can answer a certificate request in minutes.
Before your renewal or your next contract
What to check on your own policy
- Completed operations coverage and limits
- Classification for residential versus commercial work
- Tools and parts inventory carried in vans
- Take-home vehicle use by technicians
- Contract requirements from builders and property managers
Not sure what your policy says?
Upload your declarations page. The free AI coverage check lists your coverages, limits, and deductibles in plain language and flags items to discuss with a licensed agent.
Check Your CoverageHVAC Contractors: common questions
Other industries we work with
- ContractorsLiability, vehicles, tools, and the certificates every general contractor asks for.Learn more
- Construction CompaniesLiability, builder's risk, and managing the insurance of every subcontractor you hire.Learn more
- Trucking CompaniesAuto liability, cargo, physical damage, and the filings your authority requires.Learn more
- RestaurantsGuests, kitchens, staff, and, if you serve alcohol, liquor liability.Learn more
- Retail StoresCustomers in your store, inventory on your shelves, and payments at your register.Learn more
- Landscaping CompaniesProperty damage on clients' lawns, trucks and trailers, mowers, and seasonal crews.Learn more
Know what you're covered for before you need it.
Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.