HVAC Contractor Insurance

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Insurance in less than five minutes for HVAC Contractors

    Do you need insurance before you can open your business? We can do that! Simply apply online to get a free quote and purchase your insurance. We'll send your Certificates of Insurance (COI) as soon as you're done.

  • Fast and effortless purchase of your insurance

    It will only take a few minutes to get a quote and purchase your insurance with CoverWallet. Our transparent, fast and easy online application can also get you insured on the go as we have a mobile-friendly website. You can also contact our insurance experts for your insurance needs, hassle-free, 24/7.

  • Affordable insurance for HVAC contractors

    We have insurance policies that are unique to HVAC contractors. with low premiums. Get a quote today as low as $39/month.

  • All-in-one, hassle-free service for your business

    We care about your future. That is why we can protect your business according to your needs, regardless if you have a lawsuit or a bad credit score. So, give us a call today or apply online today. We're certain that our insurance policies will meet your needs and budget.

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands

General Liability (GL)

From
39
Month
Instant quote »

Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations
Get BASIC plan

STANDARD

Protect your business against service errors

General Liability (GL) + Professional Liability (PL)

From
89
Month
Instant quote »

All Basic plan benefits and:

  • Professional negligence
  • Retroactive claims (previous contracted work)
  • Subcontractor errors
Get STANDARD plan

PRO

Get protected against employment-related issues

GL + PL + Workers Compensation*

From
89
Month
Instant quote »

All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

Get PRO plan

CUSTOM

When you have specific requirements

Including Inland Marine, Surety Bond, Commercial Auto, etc.

From
___
Month
Instant quote »

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

General Liability

General Liability protects against many known and unknown risks. It is the most important insurance to have for your business as it protects your business from claims involving third-party property damage, personal or bodily injury and advertising mistakes up to the policy limits. It covers your business from litigation, out-of-court settlements, and judgments awarded by the court.

Surety Bond

Surety Bond is a contract between three parties: the principal, the surety and the obligee. The obligee gets a financial guarantee that the principal will act according to the terms established by the bond. If not, the obligee can make a claim to recover the financial losses they suffered when the principal failed to perform the task.

Workers Compensation

Workers' Compensation covers medical bills, hospital bills and lost wages of an employee who has been proven to become sick or injured because of their work. It also provides disability payment when the employee is unable to work, and benefits if an employee dies on the job. This insurance then relinquishes the employees' right to sue your business for negligence.

Professional Liability

When one of your contractors fails to complete the contract or provides professional advice that caused a client more harm than good, you'll need Professional Liability (E&O) insurance. This insurance makes sure that when a covered risk happens the insurance policy will pay for the attorney, legal fees, and the judgments awarded by the court.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

Why do HVAC Contractors need insurance?

As HVAC contractor, your business deals with your client's heating and air conditioning need - some immediate needs and others simply maintenance. Keeping your customers' homes free of certain dangers are a risk of a liability upon your HVAC business. Your insurance will make sure that these risks are mitigated. It makes sure that when a covered risk happens, the insurance will pay for these first instead of coughing the payments out of your business and personal assets.

What risks do HVAC Contractors face?

Below are some of the common risks HVAC Contractors can face:

  • A wrong diagnosis of the air conditioner causes it to break down.
  • Your employee got accidentally electrocuted when one of his/her tools fell down the power line. You'll be responsible for paying for the employee's medical fees.
  • One of your HVAC contractors failed to perform the contracted task.

How much does HVAC Contractor Insurance cost?

The cost of insurance for HVAC contractors depends on the size of your business, the number of employees you have, the coverage required and other possible factors. Without taking these into account, below are the average cost of insurance policies for your business:

  • General Liability insurance costs $500 in annual premiums.
  • Professional Liability insurance costs $1000 in annual premiums.

Get a free, no-obligation quote and know your concrete insurance costs.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
State of the Art Technology

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.