Insurance for HVAC Contractors

HVAC contractors need general liability as their foundation, workers' compensation for any employees, and commercial auto for service vans and trucks. Inland marine covers your tools and equipment, including refrigerant recovery machines, manifold gauges, and diagnostic tools. HVAC contractors who provide system design or energy calculations should also consider professional liability coverage.

HVAC contractors who work with refrigerants (R-22, R-410A, etc.) have a potential pollution exposure if refrigerants are released. While most GL policies cover small, accidental refrigerant releases, contractors who handle large volumes or work on commercial systems should discuss pollution liability with their broker. Additionally, HVAC work in older buildings may disturb asbestos insulation on ductwork, creating further pollution exposure.

Most state licensing requirements for HVAC/refrigeration contractors include a surety bond. The bond amount and type varies by state and license class. Altamira can help you obtain the required contractor bond quickly — including same-day online bonding through our partner portal for qualifying bonds.

Yes. Many contractors perform both HVAC and plumbing work (mechanical contractors). Your insurance policy can be written to include both operations. It's important to accurately describe all the work you perform so your coverage is correct — and so you're not facing a coverage denial because a claim involves an operation not listed on your policy.