HVAC Contractor Insurance
HVAC contractors work with electrical, gas, refrigerant, and heavy equipment, often on rooftops and in tight mechanical spaces. That mix of hazards creates exposure to fire, water, carbon-monoxide, and fall claims that general policies rarely address well.
Exposures that demand a strategy
Before recommending coverage, we map the specific exposures that threaten your operation. For hvac contractor insurance, those typically include:
A program built around your operation
With access to more than 100 highly rated carriers and specialty programs, we assemble the right combination of coverages rather than a one-size-fits-all policy.
Commercial General Liability
Protects against third-party bodily injury and property damage claims arising from your premises and operations, including legal defense costs.
Completed Operations
Covers claims tied to installed systems after the work is complete.
Workers' Compensation
Pays medical bills and lost wages for employees injured on the job and shields you from related employee lawsuits.
Commercial Auto
Protects service vehicles carrying technicians, tools, and equipment.
Contractors' Tools & Equipment
Covers gauges, recovery machines, and other specialized HVAC tools.
Who this is for
Heating, ventilation, air-conditioning, and refrigeration contractors.
Our business depends on quick response times, and we expect the same from our insurance partner. Sherlock Insurance Group consistently delivers fast certificate turnaround, handles policy changes without delay, and is always available when we need guidance. Their exceptional service and understanding of the HVAC industry have made them a valuable extension of our team.
Let's build the right program for your business
Strategy that knows your business. Tell us about your operation and we'll design coverage that fits your real exposures and budget.