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Illustrated street with a clapboard house and a white service van, back doors open on a duct vacuum and hose reel, a hose running up to an upstairs window and a purple coil of duct hose on the roof rack, and a brick building with rooftop ductwork behind a chain-link fence on the other side, open sky and road between

Air duct cleaning insurance

from one vent
to the whole
system.

Liability, comp, vans and equipment for duct and vent cleaners stepping up from homes to offices, restaurants and hospitals, with the certificates facility managers ask for.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A dusty living room, a strained back, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house with a loose attic duct pouring dust into the living room below, a duct vacuum tipped over at the foot of the basement stairs beside a purple agitation brush, and a work van with its back doors open on a hose reel, its front bumper against a leaning mailbox

general liability

A line comes loose and dusts the living room

Cleanup and damage to the customer’s home.

workers’ comp

A tech gets hurt hauling the vacuum upstairs

Medical bills and lost wages.

commercial auto

The van clips a mailbox pulling out

Damage you cause on the road.

tools and equipment

The inspection camera gets stolen from the van

Vacuums, cameras and agitation tools, on the job or on the road.

general liability

A line comes loose and dusts the living room

Cleanup and damage to the customer’s home.

Examples. Your policy sets the details.

the work changes
what we check.

Homes, commercial systems and dryer vents carry different risks. Pick yours.

Homes

Careful work in lived‑in rooms.

We look at your negative‑air and agitation methods, and how the policy treats the floors, finishes and registers around the system.

we check first: Damage to the home. Illustrated ceiling supply register with a flexible hose running down to a portable duct vacuum, and an agitation brush whip with a purple handle coiled on the floor

dust everywhere?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Clearflow Duct Co.

your options

$9,800a year, 4 policies

3 options, same coverage

Option A$9,800

Option B$10,900

Option C$12,300

4 techs2 vansDenver, COClean records
compare your options
same
coverage,

best price

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

get started

guides
duct cleaners ask for.

The coverage behind a duct cleaning job.

growing by
acquisition?

Buying another air duct cleaning shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about air duct cleaning insurance.

What insurance does an air duct cleaning business need?
Most air duct cleaning companies carry general liability, workers’ comp, commercial auto and tools coverage. Building managers and homeowners ask for proof of liability, and workers’ comp follows state rules once you have employees. Pollution, property, umbrella, professional or cyber coverage can come up depending on the work and what a carrier will write.
What affects the price of air duct cleaning insurance?
Mainly your residential and commercial mix, system size, roof or confined access, kitchen exhaust, microbial treatment and remediation work, plus revenue, payroll, vehicles, equipment and claims history. Limits and deductibles move it too. We read the exclusions alongside the premium, so you compare more than the payment.
Does mold remediation or asbestos work change air duct cleaning insurance?
Yes. Standard duct cleaning is viewed differently from microbial remediation, asbestos disturbance, hazardous material cleanup or applying antimicrobial products. Those jobs can call for specialized licenses, controls and coverage, and they shouldn’t be assumed covered under a cleaning policy. Describe the full scope so the carrier reviews the work you actually do.
Does general liability cover dust or contamination claims?
Not always. General liability covers damage to someone else’s property, but many policies exclude pollution, and dust, debris or a product you applied can fall under that exclusion. Contractors pollution liability is built for those claims. The policy wording and the scope of your work decide where the line falls.

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA