Insurance for HVAC Installers & Technicians

Insurance for HVAC Installers & Technicians ensures they can keep cool in the face of a lawsuit or claim.

Installing or servicing large heating, ventilation, and air conditioning units is physically demanding work. HVAC installers & technicians must put themselves in awkward positions to access all areas of the units, and because units are often outdoors, they can be exposed to extreme temperatures. They also are at risk of inhaling dangerous fumes or chemicals. With a proper insurance policy, your HVAC clients can breathe easy from the possibility of a lawsuit or claim.

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What types of coverage do HVAC Installers & Technicians need?

HVAC installers work in hazardous conditions and should consider the following coverage to ensure they are protected:

  • General Liability: Covers property damage and bodily injury from third party claimants (property owners). 
  • Worker's Compensation: Protects HVAC company employees if they become sick or injured in an accident on the job. This will pay for medical costs and lost wages.
  • Professional liability: Covers HVAC installers and technicians in the event a third party takes legal action against them, alleging they provided advice or recommendations that resulted in a loss. 
  • Product liability insurance: Protects from claims due to faulty materials used on a job.
  • Commercial Auto: Covers damage and liability on the HVAC installer & technicians' work related vehicles.