HVAC technician working on commercial air conditioning unit

HVAC Contractor Insurance

Comprehensive protection for heating, ventilation, and air conditioning contractors. From refrigerant leaks to electrical hazards, we cover the risks you face every day.

Get Your Free HVAC Quote 1-800-252-6885

Coverage Types for HVAC Contractors

Build a comprehensive insurance package that protects every aspect of your business.

General Liability

Protects against third-party claims for bodily injury and property damage. Essential when working in customer's homes and businesses.

Workers Compensation

Covers medical expenses and lost wages for employees injured on the job. Florida requires coverage once you have 3+ employees.

Commercial Auto

Covers your service vehicles, vans, and trucks used for business. Includes collision, liability, and comprehensive coverage.

Inland Marine / Equipment

Protects your tools, equipment, and inventory while in transit or at job sites. Covers theft, damage, and loss.

Commercial Property

Covers your shop, warehouse, and stored equipment against fire, theft, storm damage, and other perils.

Tools & Equipment Coverage

Floaters policy that follows your tools from job to job. Essential for HVAC pros whose livelihood depends on their equipment.

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Common HVAC Contractor Risks

Understanding these risks helps you choose the right coverage.

Refrigerant leaks causing environmental contamination and EPA fines

Furnace or heat pump installations causing house fires

Electrical shocks and burns from working with high-voltage systems

Carbon monoxide poisoning from improperly installed furnaces

Ductwork falls and injuries from working at heights

Heat exhaustion and heat stroke during Florida summer installations

Property damage to customer's belongings during equipment installation

Accidental HVAC system damage during maintenance visits

Why Choose Greene & Associates?

HVAC Expertise

We understand refrigerant liability, equipment coverage, and the unique risks HVAC contractors face in Florida.

Fast COI Turnaround

Contractors need certificates for job sites fast. We provide same-day COIs so you can get to work.

Competitive HVAC Rates

We shop 20+ carriers to find the best contractor pricing. Get quality coverage without overpaying.

Frequently Asked Questions

Does Florida require HVAC contractors to carry insurance?

While Florida doesn't mandate specific insurance for HVAC contractors, most clients and general contractors require general liability and workers compensation before allowing you on job sites. Additionally, many counties require proof of insurance for contractor licensing.

What insurance do I need for my HVAC van?

You need commercial auto insurance for your service vehicles. Personal auto policies typically won't cover business use. You'll want liability coverage, comprehensive coverage for theft/vandalism, and collision coverage. Also consider inland marine coverage for tools and equipment.

How much does HVAC contractor insurance cost?

Costs vary based on your crew size, revenue, coverage limits, and claims history. Most HVAC contractors pay $3,000-8,000/year for a comprehensive package including GL, WC, and commercial auto. We shop multiple carriers to find you the best rate.

Do I need separate tool insurance?

Your tools are your livelihood. While some coverage may be included in your business property policy, many HVAC contractors opt for inland marine 'tools floater' coverage which follows your tools wherever they go and provides better protection against theft and damage.