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Illustrated street with a white work van, back doors open on refrigerant tanks, gauges and a recovery machine, a purple cone on its roof rack, a house with a condenser behind it, and a commercial building with rooftop units across an open road

HVAC insurance

ready for the
rooftop contract.

Liability, comp and vans for HVAC shops moving from home service into commercial rooftops and new builds, with the certificates GCs and property managers ask for.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

hot days, hard
jobs, covered.

An overflowing drain pan, a fall, a dented garage door. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house with water leaking from the attic air handler into the bedroom ceiling, a fallen ladder and tool bag by the basement, purple refrigerant gauges on the lawn, and a work van with its back doors open by a dented garage door

general liability

A drain pan overflows into the ceiling

Water damage to the customer’s home.

workers’ comp

A tech falls from the ladder

Medical bills and lost wages.

commercial auto

The van backs into the garage door

Damage you cause with the van.

tools and equipment

The recovery machine gets stolen

Gauges, tanks and tools, wherever they go.

general liability

A drain pan overflows into the ceiling

Water damage to the customer’s home.

Examples. Your policy sets the details.

the work changes
what we check.

Home service, commercial rooftops and new builds carry different risks. Pick yours.

Residential service

Homes, attics and late calls.

We check water damage limits, gas work and who drives the van after hours, before you see a price.

we check first: Water and gas work. Illustrated furnace with its panel off, a gas line and gauges with a purple dial hanging from the manifold, beside a toolbox

HVAC businesses
usually carry.

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

leak or fall?
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.

Summit Heating and Air

your options

$24,600a year, 4 policies

3 options, same coverage

Option A$24,600

Option B$26,200

Option C$28,900

8 techs5 vansDallas, TXClean 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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what changes in
your state.

Licenses, bonds and workers’ comp change by state. Tap yours.

Arizona

ROC license by class, a bond set by license type and volume, comp from your first hire.

see Arizona HVAC

growing by
acquisition?

Buying another HVAC 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 HVAC insurance.

What insurance does an HVAC business need?
Most HVAC shops carry general liability, workers’ comp once they have employees, commercial auto for service vans, and tools and equipment coverage for gauges, recovery machines and gear that travels. Many add pollution coverage or an umbrella as the work grows. What you need depends on your work, your crew and your contracts.
Does general liability cover water damage from an HVAC job?
Often, for damage your work causes to someone else’s property, like a ceiling ruined by an overflowing drain pan or a clogged condensate line. It usually doesn’t pay to redo your own work. Slow leaks, mold and refrigerant releases can fall under exclusions, so the wording matters.
What affects the price of HVAC insurance?
Mainly the kind of work (residential service, commercial, new construction, refrigeration), payroll, vans and drivers, rooftop and crane work, subcontractors and your claims history. Installs and commercial work usually cost more to insure than the same revenue in service calls. Clean records and clear contracts help.
Do HVAC contractors need pollution coverage for refrigerant?
Many general liability policies exclude pollution, and that can reach refrigerant releases, mold from condensate and other contamination claims. Contractors pollution liability is built for those claims, covering third-party injury, property damage, cleanup and defense. Some contracts require it, so check the wording before a larger or commercial job.
Is rooftop and crane work covered for HVAC contractors?
It depends on the policy. Some general liability policies limit roof work or exclude crane lifts, and a rented crane or rigging crew raises its own questions about who is covered. Workers’ comp still applies to your techs on the roof. We check how your policy treats rooftop and crane work before the job.

Insurance words, in plain English: waiver of subrogation · certificate of insurance · additional insured · primary and noncontributory · hold harmless agreement · contractual liability · completed operations · blanket endorsement

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA