General Liability with Completed Operations
Covers third-party injury and property damage from your HVAC work on site and after you leave the job.
Read the General Liability guideWhat HVAC insurance covers
The full hvac insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 10
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Required for most operations
Workers Compensation (NCCI Class 5537)
Pays medical costs and lost wages for technician injuries, rated on payroll under the HVAC class code.
Read the Workers Compensation guideCommercial Auto for Service Fleet
Insures service vans and trucks carrying refrigerant and tools, since personal auto excludes any business-titled vehicle.
Read the Commercial Auto guideRecommended
Common across most operations
Tools and Equipment (Inland Marine)
Your recovery machines, gauges, vacuum pumps, and truck-stock inventory are covered against theft and damage on the job or in transit.
Read the Inland Marine guidePollution Liability (Refrigerant Endorsement)
Responds to refrigerant releases that the standard CGL pollution exclusion denies, including R-410A, R-32, and legacy R-22.
Read the Pollution Liability guideHot Work / Brazing Endorsement
Required for any brazing or torch work on refrigerant lines. Covers fire damage originating from your torch operations.
Excess Liability (Umbrella)
Extends underlying GL, auto, and employers liability limits once the primary layer is exhausted.
Read the Umbrella Insurance guideSituational
Depends on your specific operation
Installation Floater
Picks up rooftop units, compressors, and packaged equipment staged on site before they are set and accepted.
Read the Inland Marine guideProfessional Liability for Design-Build and Controls
Covers design errors on load calculations, equipment selection, and BMS programming that GL does not respond to.
Read the Professional Liability guideRigger's Liability
Covers equipment in your care during a crane lift, filling the gap the GL care-custody-control exclusion creates.
Go deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your policy and a licensed advisor benchmarks your HVAC insurance across 60+ carriers, showing the gaps and the savings. If your program is already solid, we'll tell you.
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