Commercial industry
HVAC Contractor Insurance
HVAC contractors install and service systems that heat, cool, and move air through other people’s buildings. Completed-operations water and refrigerant claims, rooftop falls, and a service van on the freeway are the file. An installation floater covers the condenser sitting on a pad Saturday night.
We place licensed HVAC shops. Washington L&I stays in place for WA crews; we add stop-gap and competitive-state WC. License bonds travel with the GL.
Risks we actually schedule
- Water damage from a condensate or a failed install after you leave.
- Refrigerant and limited jobsite pollution the GL exclusion will not pick up.
- Rooftop and attic employee injury; L&I in WA, private WC elsewhere.
- Service-van auto claims and stolen copper or tools.
Frequently asked questions
Does GL cover a refrigerant release?
Often not, because of the pollution exclusion. We discuss a limited pollution or contractors-pollution add when you handle refrigerants or fuels.
New construction vs. service — does it matter?
Yes. New construction is a GC-certificate and installation-floater story. Service is a van, a hook-and-ladder, and a completed-operations story. Most shops do both; the application should say so.
Do you write design-build HVAC?
Yes, and we add contractors E&O when you are selecting equipment or stamping a layout.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsCommercial Auto
Owned, hired, and non-owned vehicles — work vans, box trucks, service bodies, trailers, and company cars.
Coverage detailsSurety Bonds
License and permit bonds, contract bonds, and business service bonds for trades and service companies.
Coverage detailsPlumbing Contractor
Water-damage completed operations, service vans, and the license bond a permit desk will ask for.
Industry pageElectrical Contractor
GL, installation floaters, license bonds, and the energized-work story of a licensed electrical shop.
Industry pageCommercial General Contractor
GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.
Industry pageTexas
Licensed commercial insurance broker serving Texas.
State page