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BartalInsurance

Contractor Insurance ยท HVAC

HVAC Contractor Insurance

Torch work, refrigerant, rooftop units, and water all in a day's job. HVAC carries a mix of exposures most trades don't, so get coverage that fits the work and quote it online.

Get an Instant Contractor QuoteYou'll be taken to Next Insurance's secure site to enter your information and get a quote.
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A+ Superior, AM Best ratedBacked by Munich Re (ERGO NEXT)~750,000 small businesses covered

What HVAC Face

The risks that come with the trade.

  • Torch and brazing fire

    Brazing near framing and insulation is a real ignition risk, and fire claims are among the most expensive a contractor can face.

  • Water damage

    A condensate line or a mis-set drain pan can quietly ruin a ceiling before anyone notices.

  • Rooftop and lift work

    Setting units on a roof or lift adds fall and rigging risk to the crew's day.

  • Expensive equipment

    Recovery machines, gauges, and vacuum pumps are worth stealing and easy to lose to a jobsite break-in.

Coverage That Fits

Real scenarios, real coverage.

  • General Liability

    For exampleA brazing torch scorches a wall stud during a line-set install and the homeowner files a claim. General liability covers the repair.

  • Workers' Compensation

    For exampleA tech wrenches a shoulder guiding a condenser off the lift onto a roof. Workers' comp covers the care and the recovery time.

  • Business Owner's Policy (BOP)

    For exampleA clogged condensate line overflows and stains a finished ceiling after you leave. A BOP covers the water damage plus your own equipment.

Get an Instant Contractor QuoteYou'll be taken to Next Insurance's secure site to enter your information and get a quote.

Backed By A Local Agent

Online speed, with a real agent behind it.

You quote and buy online in minutes, but David Bartal, a licensed local agent, is a phone call away for certificates, changes, and claims. That's the part the national-only sites can't give you.

433 Green Ridge St, Scranton, PA 18509570-344-0211

Frequently Asked Questions

HVAC ask us this.

Does the policy cover torch and brazing work?
General liability for HVAC contractors generally contemplates the trade's normal operations, including torch work. Because fire is a serious exposure, it's worth a quick call with David to make sure your policy is written for how you actually work.
Am I covered for water damage from an install?
Accidental water damage you cause to a client's property is the kind of third-party claim general liability is built for. Damage to your own installed work is handled differently, which we're happy to explain.
Can I get workers' comp for seasonal help?
Yes. Coverage can flex with a seasonal crew. Enter your state and payroll details during quoting, and we can help you keep it accurate so there are no surprises at audit.
How quickly can I get covered before a job?
You can quote, buy, and download your certificate of insurance online in minutes, so you can be covered the same day a job comes up.

Get covered today.

Quote online, buy in minutes, and download your certificate of insurance instantly.

Get an Instant Contractor QuoteYou'll be taken to Next Insurance's secure site to enter your information and get a quote.