HVAC Insurance for Businesses

HVAC insurance

Servicing the Best HVAC Business Insurance

Whether you’re installing a new air conditioning system or repairing a heating unit, we know your HVAC business faces unique risks. It’s why we offer HVAC insurance that’s easy to customize to meet your business’ needs.
HVAC insurance

What Kind of Insurance Do I Need for a HVAC Business?

At a minimum, many HVAC companies will need general liability insurance. This helps protect your HVAC business from claims that it caused bodily injury or property damage to others.
It’s not uncommon that HVAC businesses and general contractors face other types of risks. So, you’ll want to get other types of seguro de negocio for more protection. This can include:
HVAC business insurance cost

How Much Is Insurance for a HVAC Company?

On average, our customers paid $1,019 a year, or about $85 a month, for a BOP.1 HVAC insurance costs vary, so the best way to find out your price is to obtener una cotización.
HVAC business insurance

Who Needs HVAC Business Insurance?

We offer business insurance that can help protect different HVAC businesses, including:
  • HVAC contractors
  • HVAC technicians
  • Air conditioning installers, cleaners and repairers
  • Heating equipment installers, cleaners and repairers
  • Air conditioning and heating equipment stores
Best HVAC business insurance

You Won’t Have to Wait With Us

We know how important your time is. That’s why we offer the option to get your certificate of insurance instantly online.

Protecting Your HVAC Operations

Different risks can impact your HVAC business operations, which can mean you can’t open or complete service requests. Having the right HVAC business insurance coverage can give you peace of mind and let you focus on running a successful company.
There were 1,778 deaths due to occupational transportation incidents in 2020.2
HVAC car insurance

Car Accident

“I was on my way to a job site to fix a central air unit when I backed the company van into another car. They had to tow the other car to a local shop.”
Commercial auto insurance can help pay for bodily injury or property damage claims if you get into an accident while using a vehicle that your HVAC company owns for business.
General liability HVAC insurance

Damaged Customer Property

“While bringing my ladder inside, I accidentally damaged the front door and entryway walls at a client’s house.”
General liability insurance can help cover property damage or bodily injury that your business causes to another person.

Protecting Your HVAC Property

Your tools and equipment are a critical part to the success of your HVAC business. The right HVAC business coverage can help protect your property from various risks.
HVAC business property and assets can cost up to $100,000.3
Commercial HVAC property insurance

Damaged Tools and Equipment

“I stopped by our warehouse to pick up some tools when I discovered a leaking pipe in our storage room. The water ruined some expensive power tools that we had to replace quickly.”
Contractors’ Tools and Equipment Insurance Coverage can help pay to repair or replace damaged or lost tools and equipment that you need for your business.
HVAC equipment insurance


“We couldn’t operate after a transformer blew from a storm. It took the utility company a few days to fix it and restore power.”
Business Income for Off-Premise Utility Services Coverage can help replace lost income if you can’t operate because of a power outage.

Taking Care of Your HVAC Team

Working with heavy equipment and chemicals means your employees can get hurt or sick from their jobs. HVAC insurance can help them recover and return to work faster.
There were 34,700 nonfatal injuries and illnesses in the plumbing, heating and air conditioning industry in 2020.4
workers' comp HVAC insurance

Sprained Wrist

“My technician was fixing a heater when he slipped on some water. He landed awkwardly on his wrist and had to go to urgent care. He ended up having to miss work for a few weeks while the sprain healed.”
Workers’ compensation insurance gives your employee benefits to help them recover from a work-related injury or illness. It can help cover their medical bills and lost wages.
HVAC insurance policy

Computer Hacking

“One of my employees accidentally opened a spam email, which turned out to be a phishing attack. We ended up having a delay in work orders because we lost a bunch of business documents.”
Electronic Data and Interruption of Computer Operations Coverage can help pay to recover or reproduce damaged or lost data.

HVAC Insurance You Can Trust

Not all insurance companies are the same. Backed by more than 200 years of experience, we know HVAC businesses face unique risks. That’s why we’ve made it easy for companies to customize an insurance policy that’s right for their business. Whether you have questions about HVAC business insurance or need help with a claim, we’ve got your back.
HVAC contractor insurance

HVAC Business Insurance That Has Your Back

Get the protection you need to help keep your small business running successfully.
Iniciar cotización
Last Updated: November 16, 2023
1 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
2 U.S. Bureau of Labor Statistics, “Fatal Occupational Injuries by Event: 2020”
3 U.S. Department of Energy: Better Buildings Neighborhood Program, “Business Models Guide: HVAC Contractor Business Model”
4 U.S. Bureau of Labor Statistics, “Numbers of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2020”
Divulgaciones adicionales a continuación.
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* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.