HVAC Insurance

HVAC Insurance

Whether you run a large company or an independent HVAC contractor, it’s critical to protect your business with insurance.

Zensurance - HVAC Contractor

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HVAC business owner

Insurance for HVAC contractors

As an HVAC contractor, your clients depend on your expertise to provide them with thermal comfort and clean air. In an industry that works extensively on ventilation systems inside different residential and commercial properties, each project presents a varying risk level.

Accidents causing property damages or injuries can spark lawsuits against your business, quickly disrupting your operations. Having the proper HVAC liability insurance is essential for your business’s survival.

HVAC contractors offer different heating and cooling services, which is why it is crucial to get insurance coverage designed for your business’s specific needs.

HVAC Insurance is a policy package that provides financial coverage for the common risks associated with operating as an HVAC technician, such as third-party injury or property damage.

A comprehensive HVAC insurance program should typically include the following coverages:

  • Commercial General Liability Insurance (CGL) is essential insurance coverage that every HVAC contractor should carry. CGL is a policy that can provide financial protection against lawsuit claims resulting from third-party property damage or bodily injury. For example, your ventilation services caused moisture issues in a client’s home, and they sue you for property damages. CGL may cover your business’s legal expenses and repair costs associated with the accident.
    • Important note: your policy’s coverage limit may only apply to all full-time employees, not each individual. If you require the same amount of coverage for each employee, consider increasing your policy coverage limit.
  • Tools and Equipment Insurancealso known as HVAC equipment insurance, is additional insurance coverage that protects your business’s tools and equipment. If your tools or equipment is stolen, lost, or damaged, this policy may cover the repair or replacement costs. Anything valued at less than $1,500 is considered a tool, whereas anything above is considered equipment.
  • Pollution Liability Insurance is a policy that provides legal expense coverage against pollution-related accidents that resulted in third-party injury or property damage. HVAC technicians are responsible for the quality of the air at a client’s property. Installation mistakes can produce mould infestations that can cause severe illness or property damages. A Pollution Liability Insurance policy could cover these types of environmental liabilities.

HVAC Insurance typically starts at $540 for Commercial General Liability Insurance with a $2M coverage limit.

Different factors are considered when finding your business’s perfect coverage, including:

  • Number of Employees (Independent Contractor/Technician vs. Large Business)
  • Project type (Commercial vs. Residential)
  • Training and Years of Experience
  • Location
  • Tools and Equipment Owned
  • Annual and Projected Revenue

We’ve partnered with Canada’s leading insurance providers to offer the most exclusive HVAC business insurance rates.

Any contractor that provides installation, repairs, or maintenance services to HVAC systems should protect themselves with a tailored insurance policy package.

Having the proper insurance coverage for your business could provide the financial protection you need in the event of a lawsuit. Additionally, most property owners will be expecting their HVAC contractors to be adequately insured. Having a certificate of insurance may help you secure contracts on projects that require liability coverage.

We’ve insured more than 1,000 contractors. Some services provided by our clients include:

  • Air Duct Cleaning
  • Boiler Maintenance/Replacement
  • Furnace Repair/Installation
  • Gas Line Installation
  • Refrigeration Repair
  • Water Heating Services

Coverage requirements may vary depending on your specific profession. Speak with an insurance broker about customizing your policy to suit your business needs.

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Common claims scenarios

Air conditioner damage

Problem: While fixing a client’s air conditioner unit, a complex electrical issue starts a fire causing significant property damage.

Outcome: The client successfully sues you for property damage. Your Commercial General Liability Insurance policy may cover the cost to repair the damages.

HVAC contractor

Problem: While installing a new furnace in a client’s home, your work van gets broken into and necessary tools stolen from inside.

Outcome: Your Tools and Equipment Insurance coverage could replace the stolen tools and equipment.

Pollution spill

Problem: A few days after repairing a client’s gas furnace, a corrosion spot leaks, emitting toxic pollutants into the air.

Outcome: Your Pollution Liability Insurance could cover the cost to repair the furnace and legal fees.

Frequently asked questions

Does my insurance policy cover sub-contractors?

Most insurance policies only cover full-time employees of the business and typically exclude subcontractors. Coverage extensions for subcontractors can be added to your existing policy if needed.

For subcontractors, it is recommended you purchase your own liability insurance to protect yourself across multiple work sites.

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