Industries · HVAC
HVAC Contractor Insurance
HVAC businesses juggle service calls, installs, rooftop work, and fleets of vans. Your insurance should reflect the mix. KTL can help you review liability, workers' comp, vehicle, and equipment options for heating, cooling, and refrigeration work.
Get a HVAC QuoteExposures to think about
- Water, fire, or carbon monoxide-related claims alleged to come from service or installation.
- Rooftop work, attic work, and heavy lifting that create employee injury exposure.
- Units and materials in transit or awaiting installation.
- Multiple service vehicles driven by technicians every day.
Coverage options to discuss
Contractors General Liability
General liability is usually the first policy a client, general contractor, or property manager asks to see. It is designed to respond to claims that your work or operations caused bodily injury or property damage to someone else, subject to the policy's terms, limits, and exclusions.
Contractors Workers' Compensation
Workers' compensation is designed to provide benefits to employees who are injured on the job, as defined by state law and the policy. Most states require it once you have employees, and many general contractors require proof of it from their subcontractors.
Commercial Auto & Work Trucks
If your trucks, vans, or trailers are titled to the business, carry tools and materials, or are driven by employees, commercial auto is the policy designed for that use. It can include liability, physical damage, and other coverages depending on what you select.
Tools & Equipment Insurance
Your tools travel with you, and a general liability policy is not designed to cover your own property. Tools and equipment coverage — often written as an inland marine or contractor's equipment floater — can cover your gear on job sites, in transit, and in storage, subject to the policy terms.
Builders Risk & Installation Coverage
Materials and equipment you are installing are at risk until the project is complete and accepted. Builders risk and installation floaters are designed to cover property in the course of construction or installation, subject to the policy terms.
Commercial Umbrella & Excess Liability
Larger contracts often require liability limits higher than a primary policy provides. A commercial umbrella or excess liability policy can add limits above specified underlying policies, such as general liability, auto liability, and employer's liability.
Practical questions we'll ask
- What share of revenue comes from service and repair versus new installations?
- Do you perform rooftop commercial work or boiler and refrigeration work?
- How many vehicles do technicians drive, and do they take them home?
- Do you handle refrigerants or perform any ductwork fabrication?
Your answers help an agent understand which markets may be a fit. Not every hvac business qualifies with every carrier, and some operations require additional underwriting review.
Coverage availability, eligibility, limits, and pricing are subject to underwriting and policy terms. Requesting a quote does not bind coverage.
Ready to review your coverage?
Tell us about your business. A KTL agent will review your information and follow up about available options.