Insurance for HVAC & Refrigeration Contractors
Rooftop work, refrigerant liability, and completed operations claims make HVAC one of the more complex trades to insure properly. We build programs that handle all three.
What We Cover
Coverage Areas
General Liability
Covers property damage, refrigerant spills, and third-party injury claims on commercial and residential jobs.
Workers' Compensation
Injury coverage for rooftop work, electrical exposure, and chemical handling.
Completed Operations
Protects against post-installation failures, system malfunctions, and warranty claims.
Pollution Liability
Refrigerant release and chemical exposure coverage — increasingly required by commercial clients.
Equipment Breakdown
Coverage for diagnostic tools, recovery equipment, and specialty HVAC units.
Commercial Auto
Fleet coverage for service vans and refrigerant transport vehicles.
Pollution liability now required by most commercial property managers.
We'll make sure you have it — and that it's priced correctly.
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