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HVAC Insurance

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Your business insurance coverage is designed to meet your needs

As an HVAC contractor, you’re the one to call when the cooling system stops working in August, or the air conditioning system just isn’t working. When someone’s heating system in the middle of winter is on the line, the pressure is high. You might love the physical nature of your work or enjoy the combination of indoors and outdoor jobs. Even so, it can be hard being on your own, doing high-stakes work.

If you’ve already put in the effort to become an HVAC contractor, you probably want to put every effort into making your business successful. But you can’t just rely on your technical skills, no matter how good they are. You also need to make sure that you have the right HVAC contractors insurance. Insurance can protect your business and enable you to work with confidence, but choosing between HVAC insurance companies can be a challenge.

At Next Insurance, we have HVAC contractor liability insurance that’s tailored to meet your needs. It’s easy to buy, available completely online, and designed to fit into your budget. We offer free unlimited certificates of insurance, affordable monthly payments, and no extra fees. Now, you can make sure that you have exactly the coverage that you need so that you can focus on improving your skills, doing your job, and growing your business.

Why Do I Need HVAC Contractor Insurance?

As an HVAC contractor you understand the risks that exist when you provide a service, work on someone else’s property, do physical work with tools, and perform a skilled job. No matter how careful you are or how advanced your skills are, mistakes and accidents can happen. We at Next Insurance make sure to offer coverage for some common scenarios, including injuries to third parties, property damage, and more in all HVAC insurance programs we offer. In addition to cases where something goes wrong, HVAC insurance also gives you the ability to prove your professionalism to the customers inviting you into their lives. With unlimited and free certificates of insurance available online anytime, you can be ready to bid on any job, or show them to any general contractor, whenever you need them. Once you’ve taken care of your HVAC contractors insurance, you’ll be able to focus all your energy on your job, and landing the big contract you’ve had your eye on, or even taking a much needed vacation. You’ll have the confidence you need to run your business the way you want.

Why Is Next Insurance Right for My HVAC Company Insurance?

Setting up your business, your mind might be spinning with all the details you need to handle. Choosing from all the HVAC insurance companies shouldn’t be among the things you need to worry about. That’s why we make buying and owning your HVAC general liability insurance as easy as possible. With prices starting from just $29 per month, we make sure that our insurance will fit into your budget. Buying your insurance takes just minutes, and the process is 100% online. You can even file a claim online if you need to. Most importantly, our HVAC insurance plans are designed to suit your specific needs, so that you have exactly the coverage that’s right for you. Go ahead and check out our customer reviews so you can see how other contractors and business owners just like you have benefited from buying their HVAC liability insurance from us.

Do I Need HVAC Business Insurance if I Do Other Work, Too?

Many of our HVAC contractor insurance customers do other types of work on the side. If this is true for you as well, we suggest skipping the liability insurance for HVAC contractors, and instead filling out our general contractor insurance application. On the application form you’ll see all the activities we cover listed. If what you do isn’t listed, it’s not covered. Check off all the categories that are relevant to you, and we’ll include them in your policy.

Choose the Plan that’s Right for You

starting from $29 per month


General Liability

$300,000 aggregate limit
$0 deductible

Professional Liability

Not included

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General Liability

$1,000,000 aggregate limit
$0 deductible

Professional Liability

$25,000 aggregate limit
$500 deductible

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Pro Plus

General Liability

$2,000,000 aggregate limit
$0 deductible

Professional Liability

$50,000 aggregate limit
$500 deductible

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HVAC Technician? Buy Your HVAC Liability Insurance Now

You take lots of steps to help your business thrive, and insurance is an important part of that.
We've made it simple and affordable for you to buy your tailored HVAC insurance policy, online, in just minutes.
Once you're covered you can get back to your current job, or build towards your next one with the confidence of great coverage behind you.

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Who Trusts Us? HVAC Technicians Like You

Rated 4.8 out of 5 stars, based on 1122 reviews.

Best quote with the best coverage

“I got several quotes for liability insurance for my small business.The best quote with the best coverage is Next Insurance”

Richard W.


Very happy with Next!

“I am a to Hvac in Tx. I have had Next insurance for 1 yr I have referred 4 of my friends to it. The prices are great and the service is to.”

Gary L.


I am able to sign more jobs

“I was able to sign a contract same day with this speedy service. I am insured now and am able to sign more jobs.”

Gabriel R.


Do I have to pay the entire annual premium now?
No, to make it easier on your budget we allow you to make monthly payments. Of course, there's no extra fee for paying monthly.
What is the Live Certificate?
The Live Certificate is the digital alternative to paper/downloaded Certificates of Insurance. It’s completely online proof of insurance which you can easily and instantly share with anyone, by email or through a link.
I need to add a General Contractor or employer as an additional insured, can I do that with this policy?
Absolutely! We know this is a common need for contractors, so we’ve given you the power to create certificates of insurance and add additional insureds right from your customer account, 24/7, with Live Certificates. You can read more about our Live Certificates and how they work here. If your contractor needs special language on the certificate or other forms (called endorsements), please send a sample certificate to and an agent will be happy to review those requirements with you.
Can I add to or change my coverage?
If you’ve expanded your business and need coverage for more kinds of work, please let us know! An agent will go over your new operations and next steps with you and in most cases, we’ll be able to set you up with a new policy on the same day (so there will be no gaps in your coverage). Unfortunately though, we can’t remove any exclusions from the policy. So if you see your operations listed in our exclusions section, we’re very sorry, but our policy isn’t going to be the right fit for you just yet.
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