HVAC Insurance

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

Join thousands of  Canadian contractors that are already protected!

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What is HVAC Insurance?

As an HVAC contractor, your clients depend on your expertise to provide them with proper thermal comfort and air quality. The variety of heating and cooling services you offer each presents a different level of risk for accidents, damages, or injuries.

HVAC Insurance is a policy package designed for HVAC businesses and contractors that provide financial coverage for the common risks associated with operating as a technician, such as slip-and-fall injuries and third-party property damage.


HVAC Insurance Coverage

HVAC technicians require a lot of hands-on work with a variety of electrical components, it is critical to have insurance coverage specifically designed for the risks you encounter and the equipment that you own.

A comprehensive HVAC insurance program should typically cover the following:

  • General Liability Insurance: covers costs associated with common HVAC liability risks, such as slip-and-fall injuries or third-party property damage.
  • Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
    • Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
  • Pollution Liability Insurancecovers third-party bodily injury, property damage and environmental damage due to both gradual and sudden pollution events that occur on a covered job site.
  • Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.

Who needs HVAC Insurance?

Regardless of the HVAC services provided (residential or commercial), there will still be risks of slip-and-fall injuries and property damage. Having the proper insurance coverage for your HVAC business will provide financial protection should you or your employees be named in a lawsuit.

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

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

How much is HVAC Insurance?

HVAC Insurance cost: Starting from $540 for the basic General Liability Insurance policy on a $2M CGL coverage.

There are several factors that are considered when determining a price for an HVAC Insurance policy package, including:

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

Getting insured is quick and easy!

If HVAC Business Insurance is what you need, request a free quote now.

Common scenarios where HVAC Insurance is useful

Air conditioner repair

Problem: You’re fixing a client’s air conditioner unit but due to complex electrical issues, it started a fire burning down their living room.  The client sues you for the damages to their property.

Outcome: Your Commercial General Liability Insurance policy covers the $75,000 to repair the damaged living room.

Commercial Insurance for Contractors

Problem: While installing a new furnace at a client’s home, your work van gets broken into and had important tools stolen from inside the vehicle.

Outcome: Your Tools and Equipment Insurance coverage will replace the $25,000 worth of tools and equipment that was lost by theft.

Oil spill

Problem: A few days after repairing a client’s gas oil furnace, a corrosion spot that was missed ended up leaking oil into their basement damaging their floors.

Outcome: The $60,000 cost to repair the damaged basement was covered by your Pollution Liability Insurance.

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Getting business insurance shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

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