HVAC Contractor Insurance

Heating and cooling insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the heating, ventilation and air conditioning insurance you need to protect your HVAC business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

General liability

Contractors’ E&O

Commercial auto

Workers’ compensation

Tools and equipment

Commercial property

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We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for HVAC contractors and business owners and save up to 10% when you bundle.

General Liability

Bought by 95% of business owners like you

General liability insurance covers a wide range of HVAC accidents and risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners, individual clients and licensing agencies. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

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Contractors’ E&o

Bought by 80% of business owners like you

Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of installing the wrong furnace filter or incorrectly calibrating a thermostat, it could help cover related expenses to defend yourself or redo the job.

Contractors’ E&o can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

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Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you rear-end another vehicle with your work van.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance can help you and your employees after a workplace accident. Most states require it as soon as you hire your first employee, and you might need coverage before you can get your HVAC license. It can help pay for medical bills and lost wages after an accident.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

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Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

Tools & Equipment can help you pay for:

Equipment owned by you

Employee tools and clothing

Borrowed equipment

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Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your HVAC business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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How much does HVAC insurance cost?

HVAC insurance costs vary based on the risks that your business faces, such as:

The types of projects you work on

Where your projects are located

Your payroll and the kinds of jobs our employees do

The number and types of vehicles you use at work

HVAC contractors and business owners save up to 30%, depending on the kind of work you do. More risky professions can expect to pay more.

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HVAC insurance requirements

HVAC contractors are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Get a HVAC license in your state.
Start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

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Frequently asked questions about business insurance

Here are some of the most common questions we get about HVAC insurance policies. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect HVAC contractors?

Our HVAC technician insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

You accidentally damage siding on your client’s house while installing a new air conditioning unit. The general liability coverage in your HVAC business insurance package would help pay for a repair or replacement.

Accidents that hurt someone

You set your tools down outside your van, and a passerby trips over them. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client accuses you of installing an air conditioner in the wrong window. E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

An employee gets a cut that requires a few stitches while repairing a client’s furnace. Workers’ comp coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.

Injuries and damage involving your business vehicles

During a storm, a tree branch falls on your work truck and shatters the windshield. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

Important tools are stolen from one of your work sites. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs.

Damage to your own property

A frozen pipe bursts and your office sustains significant water damage. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

HVAC Contractor Insurance

Heating and cooling insurance designed to protect your business

Save up to 30% on HVAC insurance