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Illustrated service lane with the back of a grocery store, rooftop condensing units and an open walk‑in cooler of produce crates on one side, and a white van with its back doors open on refrigerant cylinders and a recovery machine, a purple cylinder strapped to its roof rack, on the other

Commercial refrigeration insurance

keep every
walk-in cold.

Liability, pollution, comp, vans and tools for refrigeration contractors growing from store service calls into grocery chains and cold storage.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A warm walk‑in, a refrigerant leak, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of a grocery store with a walk‑in cooler dripping over spoiled produce, a rooftop condensing unit venting a cloud of refrigerant beside a purple gauge set, a ladder fallen against the outside wall, and a service van with empty shelves and its front end crumpled against a light pole

general liability

A walk‑in warms up after the repair

The customer’s spoiled stock and property.

pollution

A line lets go and vents refrigerant

Cleanup and claims a liability policy can exclude.

workers’ comp

A tech falls coming off the roof

Medical bills and lost wages.

tools and equipment

The recovery machine gets stolen

Tools and gear, on the job or on the road.

commercial auto

The van hits a pole on an emergency call

Damage you cause on the road.

general liability

A walk‑in warms up after the repair

The customer’s spoiled stock and property.

Examples. Your policy sets the details.

the work changes
what we check.

Service calls, installs and industrial systems carry different risks. Pick yours.

Service and repair

Product already at risk.

We check how the policy treats a customer’s spoiled stock after a repair, and how emergency calls and the refrigerants you handle are described.

we check first: The customer’s product. Illustrated walk‑in cooler with its door open on crates of produce and dairy, a condensing unit on top, a refrigerant cylinder, a vacuum pump and a purple gauge set with hoses

refrigeration businesses
usually carry.

Put them on one program and we shop them together at every renewal.

warm walk‑in?
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.

Coldline Refrigeration

your options

$21,400a year, 5 policies

3 options, same coverage

Option A$21,400

Option B$23,200

Option C$25,100

8 technicians6 vansAtlanta, GAClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

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.

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guides
refrigeration techs ask for.

The coverage behind a refrigeration call.

growing by
acquisition?

Buying another refrigeration 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 commercial refrigeration insurance.

What insurance does a commercial refrigeration business need?
Most commercial refrigeration contractors carry general liability, workers’ comp once they have employees, commercial auto for the vans, and tools coverage for recovery and diagnostic gear. Restaurant operators and facilities ask for proof of liability. Pollution, umbrella, installation and equipment breakdown coverage can come up as systems get larger.
Does general liability cover a customer’s spoiled product?
It can cover damage to someone else’s property caused by your work, like a repair that fails and leaves a walk‑in warming overnight. How the policy treats the customer’s stock, your finished work and the failed part itself can differ, and exclusions matter. The wording decides what responds, so it’s worth reading closely.
Why does a refrigeration contractor need pollution coverage?
A general liability policy can exclude claims tied to a refrigerant release or other contamination at a customer’s site. Contractors pollution liability is written to answer those claims. Cold storage, industrial and supermarket customers often ask for it, especially on larger systems. The policy wording and your contracts decide how it responds.
What affects the price of commercial refrigeration insurance?
Mainly your refrigerants, system size, ammonia or carbon dioxide work, industrial jobs, emergency response and hot work, plus payroll, vehicles, equipment and loss history. Limits and deductibles move it too. We read the exclusions alongside the premium, so you compare what the price actually buys, not only the payment.
Why do refrigerant type and system size matter?
A small restaurant system, a supermarket rack, cold storage, process cooling, ammonia and carbon dioxide each carry different pressure, toxicity, environmental, machinery and business interruption exposures. Carriers want the system size, charge, refrigerant and emergency controls described accurately, because those details decide which policies respond and how.

Insurance words, in plain English: certificate of insurance · additional insured · waiver of subrogation · class code · premium audit · uninsured subcontractor charge

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA