Insurance for mechanical work.
Coverage for residential, commercial and industrial HVAC contractors handling installation, service, vehicles, tools and contract requirements.
The questions every
owner should ask.
Why do contracts ask for so much insurance?
HVAC work touches buildings, tenants, project owners, general contractors and property managers. Contracts often require additional insured, waiver and umbrella wording.
Are refrigerants and environmental issues covered?
Not always. Pollution or contractor pollution coverage may be needed for refrigerants, spills and environmental allegations.
What covers tools and equipment in vans?
Inland marine. Commercial auto generally covers the vehicle, not the tools, diagnostic equipment and materials inside it.
Do design-build HVAC contractors need E&O?
If you design, specify or engineer systems, professional liability may be needed for economic loss or design allegations.
What a good policy
actually covers.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
General liability
Operations and completed work coverage for installation, service, property damage and bodily injury claims.
Learn about this coverWorkers' compensation
Coverage for technicians, installers, service staff and office employees, with class codes reviewed.
Learn about this coverCommercial auto & inland marine
Service vehicles, hired/non-owned auto, tools, diagnostic equipment and materials in transit.
Learn about this coverProfessional & pollution liability
Design-build errors, specification issues, refrigerants and contractor pollution exposure.
Learn about this cover A broker that works
the whole market.
Residential and commercial mix separated
Service, installation, new construction, design-build and industrial work are not the same risk. We show the mix clearly.
Contract wording handled
GC and property-manager requirements are reviewed before certificates are issued.
Fleet and tools protected
Auto, inland marine and workers' comp are placed around how technicians actually operate in the field.
From first call
to bound cover.
Tell us about your business
A few details about what you do, your size and any contract or licensing requirements you're working against.
We shop the market
We compare carriers that price your kind of business well, and bring back real options side by side.
Bind with confidence
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
Who this is
built for.
HVAC cover
for service and install.
Tell us your work mix, technician count and contract requirements. We'll place the programme around your field operation.