HVAC Insurance

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What is HVAC Insurance?

HVAC insurance is a specialised policy designed to protect heating, ventilation, and air conditioning (HVAC) contractors and businesses. This insurance provides cover for a wide range of risks associated with the installation, maintenance, and repair of HVAC systems.

HVAC insurance typically includes general liability, property damage, equipment breakdown, and employers insurance, ensuring that HVAC professionals are safeguarded against potential financial losses.

Compare HVAC Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

HVAC Insurance

What our Comparison Expert Says

‘Specialising in ‘HVAC’ you will be working with a wide range of complex and specialist systems from a wide range of manufacturers. Make sure you always have suitable insurance to protect you should an accident happen from any of these systems.’

- Michael Tribe

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

Specialist Brokers Are Compared

We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive HVAC Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

What’s Covered By HVAC Insurance?

HVAC stands for Heating, Ventilation, and Air Conditioning. This system is crucial in residential, commercial, and industrial settings to provide thermal comfort and acceptable indoor air quality.

Policies are essential for contractors and businesses in the heating, ventilation, and air conditioning industry. It provides comprehensive cover against various risks, ensuring financial protection and peace of mind. By understanding the components of HVAC policies and exploring ways to save on premiums, HVAC professionals can secure the necessary protection for their business operations.

General Liability Insurance

Protects against third-party bodily injury, property damage, and personal injury claims. Essential for covering legal fees and medical costs if a client or third party is injured due to the contractor’s work.

Commercial Property Insurance

Covers the physical assets of the business, including tools, equipment, and office space, against risks such as theft, fire, and natural disasters.

Employers Insurance

Provides coverage for medical expenses and lost wages for employees who get injured or ill while on the job.

Equipment Breakdown Insurance

Covers the cost of repairing or replacing HVAC equipment that breaks down due to mechanical or electrical issues.

Professional Liability Insurance

Also known as Errors and Omissions (E&O) insurance, this protects against claims of negligence, mistakes, or inadequate work.

Commercial Auto Insurance

Necessary for HVAC businesses that use vehicles for transporting equipment and traveling to job sites. It covers accidents, theft, and damage involving business vehicles.

Not all the above comes as standard. You should consult the insurance broker and assess all your risks when obtaining quotes for a HVAC Insurance Policy.

Who Needs HVAC Insurance?

  • HVAC Contractors: Individuals or businesses involved in the installation, repair, and maintenance of HVAC systems.
  • HVAC Technicians: Professionals who service and repair HVAC units.
  • HVAC Companies: Businesses that offer comprehensive HVAC services, including installation, maintenance, and repair.
  • Independent Contractors: Freelancers who perform HVAC-related tasks.

Frequently Asked Questions

HVAC stands for Heating, Ventilation, and Air Conditioning.

HVAC contractors need insurance to protect against various risks, including property damage, bodily injury, equipment breakdown, and legal liabilities. Insurance helps ensure financial stability and compliance with industry regulations.

The cost of HVAC insurance varies depending on factors such as the size of the business, the types of services offered, the number of employees, and the coverage limits. On average, small HVAC businesses can expect to pay between $500 and $1,500 annually for general liability insurance.

HVAC equipment breakdown insurance covers the cost of repairing or replacing HVAC systems that fail due to mechanical or electrical issues, including parts and labour.

Yes, discounts may be available for bundling policies, maintaining a claims-free record, implementing safety measures, and choosing higher deductibles. Always ask your insurance provider about potential discounts.

Yes, discounts may be available for bundling policies, maintaining a claims-free record, implementing safety measures, and choosing higher deductibles. Always ask your insurance provider about potential discounts.

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