HVAC Insurance

HVAC Insurance

HVAC Insurance

Learn what kind of coverage you need as a HVAC. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a HVAC. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a HVAC. Ready for a quote? We'll help protect your practice quickly and simply.

Backed by 20+ years’ experience

Save up to 35% on premiums

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We partner with 100+ insurance companies you can count on.

Why Does a HVAC Need Insurance?

HVAC work puts you in customers’ homes, on rooftops, and around expensive equipment. One refrigerant leak, water damage from a condensate line, or an on-the-job injury can turn into a costly claim. Insurance helps keep a single incident from disrupting your cash flow.

What Does HVAC Insurance Cover?

HVAC insurance can cover property damage and injuries you cause while working, accidents involving your work truck, theft of tools and equipment, and employee injuries. It can also help with legal defense costs when a job goes sideways.

Water damage after an install

A condensate drain is routed incorrectly and a ceiling stains and collapses days later. General liability can help pay for repairs and the customer’s related damages.
A condensate drain is routed incorrectly and a ceiling stains and collapses days later. General liability can help pay for repairs and the customer’s related damages.

Work truck crash on the way to a call

Your van rear-ends another driver in traffic while carrying tools and parts. Commercial auto can help cover injuries, vehicle damage, and claim-related legal costs.
Your van rear-ends another driver in traffic while carrying tools and parts. Commercial auto can help cover injuries, vehicle damage, and claim-related legal costs.

Tools stolen from a job site

Someone breaks into your locked truck overnight and takes gauges, recovery equipment, and power tools. Inland marine coverage can help replace mobile tools and gear you rely on to work.
Someone breaks into your locked truck overnight and takes gauges, recovery equipment, and power tools. Inland marine coverage can help replace mobile tools and gear you rely on to work.

HVAC Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

What insurance do HVAC contractors typically need in California?

Most HVAC businesses start with general liability, commercial auto for any company-used vehicles, and workers’ compensation if you have employees. Many contractors also add coverage for tools and equipment that travel with the crew, plus an umbrella policy if you take on larger jobs or want higher limits.

Does general liability cover damage caused by a bad install or repair?

Are my tools covered if they’re stolen from my truck or a job site?

If I use my personal pickup for jobs, do I still need commercial auto?

How much does HVAC insurance cost?

Can a customer or GC require specific limits or additional insured status?

What insurance do HVAC contractors typically need in California?

Most HVAC businesses start with general liability, commercial auto for any company-used vehicles, and workers’ compensation if you have employees. Many contractors also add coverage for tools and equipment that travel with the crew, plus an umbrella policy if you take on larger jobs or want higher limits.

Does general liability cover damage caused by a bad install or repair?

Are my tools covered if they’re stolen from my truck or a job site?

If I use my personal pickup for jobs, do I still need commercial auto?

How much does HVAC insurance cost?

Can a customer or GC require specific limits or additional insured status?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.