HVAC Contractor Insurance

Save up to 25% on HVAC contractors insurance.*

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HVAC contractors insurance can help protect you from

The costs of Injuries or damages

Someone gets hurt on a job site or you accidentally damage a client’s building while working.**

Stolen or damaged tool replacement

Your essential tools and business equipment are stolen, lost or damaged at work or on the way to a job site.

Workmanship error liability

A client claims you made a mistake in your work project that resulted in damage to their AC unit, heating or other HVAC systems.

Get HVAC contractor insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. HVAC contractors insurance can help protect you, your company and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in business insurance for HVAC contractors

HVAC contractor liability insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for HVAC contractors

Protection for damage to other people's property and injuries to non-employees

HVAC general liability insurance is often required by project owners and clients before they’ll hire you, and by licensing agencies for certification in many states. This type of liability coverage could offer financial protection if someone other than an employee gets hurt on a job (called “bodily injury”), or if you or your employees damage property that doesn’t belong to you.

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal fees and judgments

Employment practices liability (optional add-on)

Contractor’s E&O insurance

To help protect you from errors and mistakes on a job

Contractor’s errors and omissions insurance (contractor’s E&O) could help cover costs if you’re accused of making workmanship errors. For example, if your business is accused of installing the wrong air conditioner filter or damaging ductwork, contractors’ E&O could help cover expenses to fix the problem or defend your business against legal action.

professional liability can help you pay for:

Workmanship mistakes

Legal defense costs

Legal judgments

Workers’ Compensation insurance

For employee work-related injury and illness

Most states require workers’ comp insurance as soon as you hire your first employee. And depending on the state where you work, you might need coverage before you can get your HVAC license. Workers’ comp insurance could help pay for medical bills and lost wages after a work-related injury or illness.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

Tool and Equipment insurance

Protection for your essential business gear

Tools and equipment coverage, also called inland marine insurance, is an add-on to ERGO NEXT’s general liability insurance for HVAC contractors. This type of insurance can help protect the work gear in your business vehicle, in a trailer or at a job site. If you regularly travel with equipment to a job site, tools and equipment insurance can offer some protection against damage or theft.

inland marine can help you pay for:

Stolen or damaged tools at a job site

Equipment breakdowns or accidental damage

Some repair or replacement costs

Commercial Property insurance

For business owners who own or rent physical spaces

If you own or rent a commercial space for your business, such as an office, a warehouse or a workshop, commercial property insurance could help protect your HVAC business equipment and inventory and the space itself after a covered event such as fire, theft, vandalism or storm damage. It can also help protect other items you use for business operations, such as office furniture, laptops or printers, while they’re on your business premises. And if you do need to close temporarily for repairs after a covered event, property coverage could help with business income replacement and operating expenses.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

ERGO NEXT Insurance reviews

NEXT is the BEST

In need to commercial insurance, NEXT is your one stop shop!

gilbert f.

Chris Reinitz Construction

Best insurance should be your next insurance for your small business

Chris R.

Awesome

The best insurance company I've delt with by far.

Jared B.

Great service

Very easy to use site

Theodore S.

Quick service.

They were just there for me instantaneously.

MattHew H.

New to NEXT Insurance

I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.

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Pleased

I heard about NEXT via a instagram post and it piqued my interest. I was pleasantly surprised at ease of website and the value Would highly recommend

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Next is the BEST

Best customer service ever! Everyone was quick to respond with everything I needed

christopher h.

consolidating insurance

My sales provider help me thru the process. It was so easy.

kelly J.

General Liability

Super simple process

Jordan S.

Save up to 25% in discounts on HVAC contractors insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$300,000

Tools & Equipment

Per occurrence

$3,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does HVAC contractor insurance cost?

Premiums for business insurance for HVAC contractors are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

The type of work you do.
The types of clients you have.
Your business location.
Your number of employees.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

How can insurance for HVAC contractors help your business?

You might need HVAC business insurance to help your business:

Get an HVAC license. Most states require proof of business insurance before you can get licensed.
Start work on a project. Clients, states and local governments often require you to have active insurance — usually a general liability or workers’ comp insurance policy – before you can bid or sign a contract.
Repair or replace property. Your insurance company could help with protection for your own tools, equipment or the workspace that you lease or own, and help to cover repair costs for accidental damages to a client’s site.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.

HVAC contractor insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

How does business insurance protect HVAC contractors?

HVAC technician insurance could help protect your business from a variety of business risks and financial losses, including:

Property damage to someone else’s property

You accidentally damage siding on your client’s house while installing a new air conditioning unit. Liability insurance for HVAC contractors could help cover repair costs.

Accidents that hurt someone

You set your tools down next to a heating system you’re working on and a passerby trips over them. Your general liability coverage could help pay for medical costs and legal fees.

Workplace injuries

While repairing a client’s HVAC system, an employee gets a cut that requires stitches. Workers’ comp insurance coverage can help cover medical bills and lost wages.

Injuries and damages involving business vehicles

During a storm, a tree branch shatters the windshield on your work truck. Commercial auto coverage could help pay for repairs.

Theft or damage to your tools

Important tools are stolen from a work site. If you add tools and equipment insurance to your general liability coverage, it could help pay for replacement costs.

Damage to your own property

A frozen pipe bursts at your office and everything inside sustains significant water damage. Commercial property insurance could help with replacement or repair costs on your owned or leased property.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.