HVAC Technician Insurance

HVAC technician insurance can protect your business from common risks that could result in injuries or property damage ending in financial losses. These costly mishaps can even put your business at risk if you don’t have adequate coverage.

Protect your business through the Progressive Advantage® Business Program. We’ve partnered with select insurers who underwrite insurance specially matched for HVAC technicians.

What does it cost?

HVAC insurance cost depends on various features of your business, including claims history, coverage needs and risk exposure. As a result, heating and air companies might pay different insurance rates. For example, an HVAC company with an insurance claim against it might pay a higher premium than a similar company with a clean record.

Learn how these and other factors affect your business insurance cost and what you can do to save on your premium.

Basic HVAC insurance coverages:

General Liability

This basic coverage pays for bodily injury and property damage that arises from your business. It also includes protection for advertising injury and completed operations.

Commercial Auto

You’ll need a commercial auto policy if you use your vehicle to travel to job sites or carry supplies like ducts, air conditioners and tools. We insure vehicles common to HVAC contractors including cargo vans, box trucks and trailers.

Other insurance for HVAC contractors:

Business Owners Policy (BOP)

A BOP combines liability and business property coverages into one policy.

Workers’ Compensation

Workers’ comp covers your employees’ medical costs and a portion of their lost wages if they become injured or ill on the job.

Get your free quote today

We know you’re busy, so we’ve made it easy for you to get all your HVAC insurance in one place. Start a quote online or call us to speak with an in-house agent who’ll help you get customized business liability and commercial auto coverage today.

More information

Start a customized quote for your HVAC business today

Get a quoteOr, call 1-888-806-9598