HVAC Installation Insurance

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HVAC installation contractors work in a high-risk environment on a daily basis where they can either sustain an injury from an accident or can accidentally damage the client’s property.

Whatever the case may be, accidents do happen, and to avoid any legal and financial complications, it’s always a good idea to take out comprehensive HVAC installation insurance.

Why Do HVAC Installation Contractors Need Insurance?

HVAC installation contractors are exposed to many risks while working on the installation of an HVAC system for their customers. HVAC Contractors can be sued by their clients for property damage, injured while working on the rooftop of a house, fined for any environmental damages they might cause, and more.

Because of these risks, it is important for HVAC Installation Contractors to have Insurance coverage.

In other cases, HVAC installation insurance can simply be a legal requirement imposed by your local state, which without, you cannot legally operate.

What Types of Insurance Do HVAC Installation Contractors Need?

HVAC installation contractors need several insurance policies to provide adequate protection for themselves, their employees, and their customers. The type of policies you need to take out will depend on the size of your business, the number of company cars your business owns, the number of staff your business employs, the state you’re in, and more.

For more information on the different policies we recommend for your industry, please take a look below.

How Much Does HVAC Installation Contractor Insurance Cost?

Generally speaking, the average cost of a general liability policy is $750 per year. For worker's compensation insurance, you can expect to pay between $1,000 and $4,000.

As for commercial auto insurance, the cost of the policy can range between $1,000 and $2,000.

For tools and equipment insurance as well as professional fee insurance, you can typically expect to pay no more than $500 per year for each one.

The cost of insurance depends on many factors, including the type of work you do, where you do your work, and how big your business is.

For example, if your HVAC business works with private homeowners, you can expect your overall insurance costs to be a lot lower than a HVAC contractor that works with commercial clients on skyscrapers.

Typical HVAC Installation Contractor Insurance Claims

HVAC installation contractors are exposed to a number of risks while installing HVAC systems for their customers. Generally speaking, the most popular insurance claims are regarding:

  • Injuries from accidents
  • Property damage

Aside from those, in more rare cases, HVAC contractors can also get into road accidents, enter into payment disputes with clients, and other unfortunate events that involve money.

For that reason, it's best to have your business risk assessed and protected from all angles by a good HVAC installation insurance policy.

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