HVAC Contractor Insurance

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.

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.

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.