Insurance built for HVAC contractors.

That is the completed-operations side of general liability — and it is the exposure that defines this trade. A connection that fails and causes a fire, a combustion issue that leads to a carbon-monoxide claim, or water damage from a bad condensate line discovered weeks after you sign off are claims that arrive on the completed-operations tail. General liability is built to respond to that third-party bodily injury and property damage; the faulty-workmanship rebuild of your own work is treated differently, which is exactly the nuance we walk contractors through.

Usually not under general liability — a standard GL policy carries a pollution exclusion that typically bars a refrigerant release or contamination claim. Pollution liability is a separate line that can be purchased to fill that gap. Most HVAC contractors do not carry it, but the exposure is real, so it is worth an honest conversation about whether your work warrants it rather than assuming GL already responds.

Through contractors equipment coverage — an inland-marine line — yes. Your gauges, recovery machines, vacuum pumps, and the tools you haul between job sites are your biggest asset, and they move around in a way a policy tied to a fixed address does not follow. Contractors equipment covers that gear at the shop, in transit, and on the job site, including theft from the van or a site.

Workers comp follows your payroll, so the state a technician is physically working in matters as much as the state you are based in. A tech living in one state and running calls in another can trigger requirements in both. We structure comp for multi-state payroll and flag the four monopolistic states — North Dakota, Ohio, Washington, and Wyoming — where private carriers cannot write comp at all and coverage comes only through the state fund.

General contractors, building owners, and facility or municipal contracts set their own requirements, but they typically ask for general liability, commercial auto, and workers compensation, often with an umbrella to reach higher limits, plus certificates of insurance naming them as additional insured. The exact limits vary by contract. We help build a program that meets those requirements and turn certificates around so a coverage gap does not cost you a job.

There is no single price, because premium is driven by your specific operation. The biggest factors are your payroll and technician classifications, your mix of residential versus commercial work, how much is new install versus service and maintenance, the size of your fleet and equipment, your completed-operations history, and prior claims. A residential service shop looks very different to an underwriter than a commercial mechanical contractor doing rooftop installs. We price to the real risk rather than a generic guess.