HVAC contractors face a broad mix of risks: rooftop work, electrical and gas connections, refrigerant handling, and pricey diagnostic equipment. Business insurance ties those exposures together into one protective package.
General liability covers third-party injury and property damage — a faulty install that damages a client's home, or someone hurt near your work. Clients and GCs typically require $1 million per occurrence.
With multiple techs in the field, workers' comp is both legally required in California and a practical safeguard against on-the-job injuries from lifting, heights, and electrical work.
Commercial auto is essential for HVAC fleets hauling units and parts between job sites, and tools and equipment coverage protects gauges, recovery machines, and installed inventory from theft or damage.
An agent who understands HVAC can align your coverage with how you actually operate — residential service, commercial installs, or both. Request a quote to protect your crew, trucks, and equipment.
